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American Express Serve®

  • Annual Fee None
  • Credit Needed No Credit Required
  • Processing Network American Express
Best Benefits
  • ◉  Get your money up to 2 days faster with early direct deposit
  • ◉   Free withdrawals at over 24,000 MoneyPass ATM locations nationwide
  • ◉   Transfer cash or pay bills online without a hassle
  • ◉   Access and manage your account on the go via your phone
Rates & Fees
  •  Foreign Transaction Fee: 2.7% on each transaction after conversion to U.S. dollars
  •  Credit Needed: No Credit Required


At a Glance

The American Express Serve Card is a prepaid debit card from the credit card company, American Express. The card is ideal for anyone who doesn’t want the hassle of a traditional credit card but still prefers to customer service and security that comes with such a card. The Serve the card gives users the flexibility of shopping at any merchant that accepts American Express while also allowing for the withdrawal of cash at ATMs, similar to what you can expect from a debit card.

Ideal for Those Who:

  • Don’t want a hard pull on your credit history
  • Aren’t sure whether to choose a gift card vs. a prepaid card
  • Want credit card features (purchase protection, fraud protection, roadside assistance, etc.) without the risk of overspending
  • Don’t have a bank account but want a repository for direct deposits

American Express Serve Prepaid Review

The American Express Serve Card is a prepaid card that acts in much the same way as the American Express Bluebird – a prepaid offering from AMEX and Walmart. And like with the Bluebird, account management is easy with the American Express Serve: login to the American Express Serve app, and you’ll have access to a whole bunch of features that don’t come with other prepaid cards – including gift cards and even some debit cards.

AMEX Serve Account Benefits

  • No fee to get the card online
  • No monthly fee when you receive $500 in direct deposits each month
  • No transfer fees
  • Send and receive money transfers via Ria
  • Receive your direct deposits up to two days earlier than normal
  • Free access to funds at over 30,000 ATMs

Get Paid Two Days Early

One of the best features of the American Express Serve is the ability to set up free direct deposits with the card. Direct deposits allow employers, government agencies, or anyone else to add funds to your account automatically. Most direct deposits set up with banks transfer the funds into your account once the money settles in the account, meaning it can take days to receive your funds.

With the AMEX Serve, however, the funds are transferred into your account as soon as the deposit instruction is given, meaning you can receive your deposit up to two days sooner than with traditional banks!

American Express Features

Since the Serve is an American Express prepaid card, holders can expect the same level of support, protection, and customer service as an American Express credit cardholder receives. With the Serve, expect 24/7 dedicated customer support, as well as comprehensive fraud protection, should your card be lost or stolen – all at no additional cost.

Should You Get the American Express Serve Card?

The AMEX Serve is a solid option for anyone looking for a sound, reliable prepaid card. It isn’t, however, the best available option from American Express. That honor goes to the Bluebird, which offers many of the same perks as the Serve, but with fewer fees.

That doesn’t mean, however, that the Serve is a wrong choice. The possibility of getting American Express customer service and protections in a prepaid card is an enticing prospect – and that makes the Serve so appealing tot hose who either can’t qualify for a traditional credit card or don’t want the hassles that come with applications of hard inquiries on their credit report.


Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 7:04 am

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