American Express Serve Prepaid Cards Review

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The Serve Prepaid card is one of three options available from American Express. This zero-credit check and zero-minimum balance card has a $1 monthly fee which is waived after a monthly $500 direct deposit. As with other cards managed by Amex, it is backed by American Express 24/7 support, and it also gives cardholders access to membership benefits.

How is American Express Serve Prepaid Cards rated?


Overall Rating: 0 / 10 (N/A)

With several free reload options and a 24,000 ATM network, the American Express Serve prepaid card gives customers the advantage of making purchases everywhere the American Express card is accepted with minimum fees. A live person customer support is always available. Plus, the few fees cardholders can easily be avoided.

American Express Serve Prepaid Cards Card Characteristics

Card Characteristics - 0 / 10

With Serve by American Express, fees are kept to a minimum, and many transactions carry no additional costs at all. The vast 24,000 ATM network makes it easy to avoid the $2.50 out of network withdrawal fee. Also, cash reloads are free at CVS, Dollar General, and Walmart, among other retailers. However, like other prepaid cards from American Express, additional services such as Cash Pickup and transfer services by Ria and the Money in Minutes service when making a check deposit through Ingo will incur in extra fees.


Smart Chip

Fees & Penalties

  • Monthly Fee
  • ATM Operator Fee

American Express Serve Prepaid Cards Additional Services

Additional Services - 0 / 10

The free online bill payment option lets Serve users send payments to virtually anyone in seconds. Moreover, Serve's many mobile management tools and apps give cardholders the advantage of tracking their financial activity right from their smartphone. Furthermore, the ability to add sub-accounts is an excellent way to manage a family budget, and the set-aside option is especially useful to help put money away for an emergency or future goals.


  • No Credit Check
  • Text Alerts
  • Online Account Management
  • Mobile App
  • Budgeting Features
  • Savings Account
  • Purchase Protection
  • Mobile Check Capture
  • Online Bill Pay
  • Sub-Accounts for Family Members
  • Early Tax Refund


  • Refer a Friend

American Express Serve Prepaid Cards Customer Experience

Customer Experience - 0 / 10

American Express Serve is a good alternative for those who do not want the hassle of having a checking account. Cardholders get all the benefits of making purchases wherever AMEX credit cards are accepted, with an easily avoidable minimum monthly fee. Customers also have access to 24/7 world-class support by American Express and the many Membership Benefits the company offers. Furthermore, the user-friendly mobile app and other management tools add to Serve's convenience.

Help & Support

  • Phone
  • 24/7 Support
  • FAQs
  • Articles

Reviews and Complaints

BBB Rating
CFPB Total Complaints
Date Collected

Company Profile

Full Name
American Express Serve Prepaid Cards
Company Website
200 Vesey Street, New York, NY, 10285

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Top Rated
  • No overdraft fees
  • No purchase transaction fees
  • Deposit checks right from your smartphone with Photo Check
  • Cash checks with the Walmart check cashing service for an additional fee
  • Get Federal Benefits up to 2 days earlier with direct deposit