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  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 -65% 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
25 users don't recommend
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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 31

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.

The Good The Bad
  • 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.
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Feature Breakdown

Free Customer Service  
Daily ATM Withdrawal Limit $750
ATM Fee: In-Network $0
Additional Card Fee Amount $0
ATM Fee: Out-of-Network $2.50
Credit Score Range 300 - 850
Activation 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  
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0

American Express Serve Community Reviews

 

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1 total votes
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
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

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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