American Express Serve FREE Reloads is the FREE Reloads version that charges no cash reload fees.

What’s Nice About This Card?

Charges no fee for card replacement, subaccounts, customer service or withdrawals from MoneyPass ATM.America Express Serve

The card also comes free if you order online. Other free services also include online bill pay, fraud protection, as well as early direct deposit.

The reload network covers over 45,000 locations across the country. You can make reloads at convenient locations such as CVS Pharmacy, Dollar General, Family Dollar, Rite Aid, Walmart, 7-Eleven, etc.

Teens also have access to reload funds from a bank account.

American Express offers a program that allows you to add “deals” for shopping, dining, and entertainment purchases periodically.

These offers are updated every few weeks. Thus if you like one, just add it to your card and use it by the expiration date.

Purchase protection

Fraud protection

Roadside assistance.

What’s Not So Cool?

You pay a $6.95 monthly fee that can’t be waived. This makes this card only worth it if you make frequent cash reloads that can otherwise cost $3.95 with most other prepaid cards.

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There’s a Card Purchase Fee of $3.95 in retail locations: $0 online. A Monthly Fee of $6.95. A Reload Fee $0 at select locations and ATM Fee up to $2.50 at non-MoneyPass ATMs.

Best For?

Those looking for an alternative to their traditional checking account can try the American Express Serve FREE Reloads.

If you seek a fee-friendly prepaid card.

For those who want an easy way to limit their spending.

If you do not want to carry a lot of cash around.

Don’t Consider This Card If;

  • If you want to build up your credit
  • You use a lot of out-of-network ATM locations.
  • You do a lot of international transactions.

Customer Service

American Express, has a customer service that is available 24 hours a day thru phone.

Final Thoughts

If you are looking for a handy prepaid card that will enable you to take charge on banking on the go, then you can try using the American Express Serve FREE Reloads.