SuperMoney 
  American Express Serve

American Express Serve

in Prepaid Cards from American Express National Bank

Claimed

American Express Serve

Claimed

in Prepaid Cards from American Express National Bank

SuperMoney Net Recommendation Score -52% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

5 users recommend
1 user is unsure
17 users don't recommend
Cast your vote
Cast your vote

Would you recommend American Express Serve to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Strongly not recommended
Max Monthly Service Fee $6.95
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0
Max Balance $100,000
Number of Reviews 23

American Express Serve Review

The American Express Serve is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Prepaid cards only allow you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

American Express Serve does not require a credit check, so approval is guaranteed. However, it will not help you build credit and some online merchants don't accept prepaid cards.

Pros & Cons of American Express Serve
Pros Cons
  • Free in-network ATM withdrawal
  • There is no fee for loading your card
  • Extensive free ATM network.
  • No inactivity fee.
  • Charges a monthly maintenance fee of $6.95.
  • More limited merchant acceptance for Amex as opposed to a Visa or Mastercard.
  • Unlike some other prepaid cards, the connected savings (called Reserve) account does not earn interest.
  • Who issues American Express Serve?

    American Express Serve is issued by American Express National Bank, which is based in New York, NY and was founded in 1850.

    What fees does American Express Serve charge?

    American Express Serve charges a monthly fee of up to $6.95.

    American Express Serve Prepaid Card Fees
    Description
    Max Monthly Service Fee $6.95
    Close Account Fee $0
    Card Replacement Fee $5
    ATM Balance Inquiry $0
    Free In-Network ATM Withdrawal? Yes
    No Signature Purchase Transaction Fee? Yes
    No PIN Purchase Transaction Fee? Yes
    Signature Purchase Transaction Fee $0
    PIN Purchase Transaction Fee $0
    No Monthly Service Fee with Direct Deposit? Yes
    Activation Fee $0 - $3.95
    Card Reload Fee $0 - $3.95

    How Much Does American Express Serve Cost?

    There is no activation fee.

    Notice this card charges a monthly maintenance fee of up to $6.95.

    However, you can avoid the monthly maintenance fee if you set up a direct deposit to your prepaid card.

    There is a reload fee of up to $3.95 fee every time you reload the card.

    Does American Express Serve charge an activation fee?

    American Express Serve does not charge an activation fee.

    What is the daily ATM withdrawal for American Express Serve?

    American Express Serve has a daily ATM withdrawal limit of $750.

    What is daily direct deposit limit for American Express Serve?

    American Express Serve sets a daily direct deposit limit of $2,500.

    What is the Card Replacement Fee for American Express Serve?

    You will need to pay $5, if you need a card replacement.

    What is the Maximum Balance for American Express Serve?

    The maximum balance you can have on American Express Serve is $100,000. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account.

    How to apply for American Express Serve

    • Visit the American Express National Bank website.
    • Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.
    • Check the information is accurate and submit your application.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Feature Breakdown

    Free Customer Service  
    Daily ATM Withdrawal Limit $750
    ATM Fee: In-Network $0
    ATM Fee: Out-of-Network $2.50
    Activation Fee $0 - $3.95
    Card Reload Fee $0 - $3.95
    Free In-Network ATM Withdrawal  
    Max Monthly Service Fee $6.95
    No Monthly Service Fee with Direct Deposit  
    No PIN Purchase Transaction Fee  
    No Signature Purchase Transaction Fee  
    Signature Purchase Transaction Fee $0
    PIN Purchase Transaction Fee $0

    American Express Serve Community Reviews

     

    Would you recommend American Express Serve to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)
    Page 1 of 2

    Other Prepaid Cards

    Netspend Small Business Prepaid Mastercard
    Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

    3 Reviews

    American Express National Bank Prepaid Cards

    Product

    Reviews

    Max Monthly Service Fee

    Card Reload Fee

    Signature Purchase Transaction Fee

    PIN Purchase Transaction Fee

    Max Balance

    American Express Bluebird

    American Express Bluebird

    14
     
    72
    88 total votes
    Max Monthly Service Fee $0 Max Monthly Service Fee
    Card Reload Fee $0 - $3.95     $0 $5.95
    Signature Purchase Transaction Fee $0 Signature Purchase Transaction Fee
    PIN Purchase Transaction Fee $0 PIN Purchase Transaction Fee
    Max Balance $100,000 Max Balance
    American Express Serve FREE Reloads
    Max Monthly Service Fee $6.95 Max Monthly Service Fee
    Card Reload Fee $0 - $3.95     $0 $5.95
    Signature Purchase Transaction Fee N/A Signature Purchase Transaction Fee
    PIN Purchase Transaction Fee N/A PIN Purchase Transaction Fee
    Max Balance $100,000 Max Balance
    American Express Serve Cash Back

    American Express Serve Cash Back

    Be the first to rate

    Max Monthly Service Fee $7.95 Max Monthly Service Fee
    Card Reload Fee $0 - $3.95     $0 $5.95
    Signature Purchase Transaction Fee N/A Signature Purchase Transaction Fee
    PIN Purchase Transaction Fee N/A PIN Purchase Transaction Fee
    Max Balance $100,000 Max Balance