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.

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.

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.