American Express Serve Cash Back (For Big Spenders) Review

American Express Serve Cash Back card, is designed to accommodate teens who spend several hundred dollars each month. This is a prepaid debit card that offers the convenience of American Express with no billing statements or overdraft chargesAmerican Express Serve Cash Back

American Express Serve Cash Back Bright Sides

Purchases you make, earn unlimited 1% cashback.

Cash rewards are added to your card right away and can be redeemed at any time.

No-fee early direct deposit, free in-network ATM withdrawals, fraud protection, and 90-day purchase protection on purchases up to $1,000.

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This prepaid comes with no credit checks, no minimum balances and no annual fees, although there is no monthly fee, which can be avoided on the basic American Express Serve card when you use direct deposit.

FREE withdrawals at over 24,000 MoneyPass ATM locations nationwide.

Serve gives you access to pay anyone, anytime. You can use FREE Online Bill Pay or Write a Check online and have it mailed to anyone you need to pay.

Transfer cash to anyone from anywhere Cash is ready for pick up within minutes.

You can check your balance and recent transactions, pay bills on the go, add checks, get SMS text alerts, and send money to family or friends who have a Serve Account.

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There’s fraud protection

Enjoy travel protection

Purchase protection.

What’s Not So Bright?

The card comes with a $7.95 monthly fee. You’ll be required to spend more than $795 each month to scale through on the fee as well as get value from your rewards.

There’s a Card Purchase Fee of $3.95 in retail locations, a Monthly Fee of $7.95, a Reload Fee of $3.95 for cash reloads and ATM Fee of $2.50 if you use a non-MoneyPass ATM.

Who Can Get This Card?

If you want a prepaid debit card with helpful features and no fees.

Not Best For

For those looking for a traditional credit or debit card.


If you want to build credit, then a secured card may be a better option.

Customer Service

You can access the American Express Standard of Service and get a live representative 24/7.

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