American Express Serve Prepaid Card Review

Serve Prepaid Card from American ExpressIt’s now been about five years since I began covering the prepaid market. Over those five years there have been major changes to prepaid debit cards. First fees began to come down, to the point that many prepaid cards are free. Then some major companies entered the market, such as Wal-mart and Chase. And now American Express, a Dough Roller advertiser**, has taken it to the next level with a card called Serve.

Think of Serve as a prepaid account, not just a card. It includes a reloadable prepaid debit card, of course, but the account includes several unique features. Here are the card’s features:

  • Your Full Service Prepaid Debit Card (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • FREE Direct Deposit gets you access to your money up to 2 days faster.
  • FREE ATM withdrawals at over 24,000 ATMs nationwide.
  • FREE Online Bill Pay and money management tools.
  • Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection*.
  • *Underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions.

Serve Facebook App

Serve comes with a Facebook App that enables you to send and receive money. You can actually transfer money to and from friends via a Facebook wall post. Here’s a video that shows how it works:

Earn Zynga In-Game Rewards

FarmVille American ExpressI confess that I’ve never been much of a FarmVille fan. But I know many people love the game, along with Bubble Safari, CastleVille, and CityVille. With the Serve card, you can earn Farm Cash, Safari Cash, Castle Case or City Cash. As an example, here’s how you can earn up to 943 Farm Cash:

      Sign up for an account: +150

 

      Add money to your account for the first time: +130

 

      Activate your Serve Card: +13

 

    First 10 purchases using your card: +65 each

Subaccounts

Subaccounts are an easy way to give allowance to your kids or even pay the babysitter. Each person with a subaccount gets his or her own Serve card. You can then transfer money to these cards and set the spending limit.

Mobile Payments

The day may come when we user our cell phones to make most of our payments. But that day is not here, yet. Yes, there are apps we can use to pay for certain things. I use my iPhone to pay for coffee at Starbucks. But that’s about it.

With Serve, you have several ways to transfer money via the Internet. Above we’ve already covered the Facebook App. Serve offers three other ways to transfer cash:

  • Serve App: The card comes with this app that allows you to pay with your smart phone. The people you pay must have the Serve app as well. But if they do, things like splitting the bill is a snap.
  • Email: You can send or request money via email
  • Text Message: You can send or request money via text message

No Monthly Fees

While most prepaid cards come with fees, the Serve prepaid card has no monthly or annual fees. In addition, the $2 ATM fee is waived for the first ATM transaction each month.

For more information or to get the card, visit the Serve official website.

Editorial Disclosure: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise
endorsed by American Express.

20 Responses to “American Express Serve Prepaid Card Review”

  1. I have never used one of these cards so pardon my ignorance. How do you put money on this card ie if I want to use it once a month to pay a bill, how do I put the cash on the card?

    • Rob Berger

      Bob, the best way to add money to a prepaid card is either through a transfer from a bank account or direct deposit. In the case of an Amex prepaid card, you can also add money with an American Express card. To add cash to a prepaid card, you’d need to use a MoneyPak, which you can buy at most convenience stores. But it will cost $4.95.

  2. KOLAWOLE SAMUEL OSISANYA

    I HEREBY TELL YOU THAT I DID NOT KNOW HOW I WILL LOG INTO AMERICAN EXPRESS ,THEN HOW I WILL SEE MY ACCOUNT NUMBER OF THE AMERICAN EXPRESS PLEASE KINDLY HELP ME OUT ……………………………..??? ALSO THEY HAVE LOCK MY ACCOUNT OF THE SERVE .COM BUT I DID NOT KNOW WHAT I WILL DO NOW???

  3. Emma Landon

    Serve prepaid card from American Express is bogus. Many of my bill collectors accept American Express, so I have to withdraw cash to pay my bills. I am being denied access to my funds. This is a prepaid card, not a credit card!! The money on this card is mine and I need it now.l

  4. Ellen Simpson

    The American Serve card helps me to lay that debit and credit card down. It helps me watch my spending. I could not use it at Sam’s and that bothered me. But overall I like it andI have had only positive results with customer service.

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