The American Express Serve Cash Back is a reloadable prepaid card that offers cash back on purchases made with the card. However, the American Express Serve FREE Reloads Debit Card does not offer cash back on purchases but does offer free reloads at select locations. Also, both these cards have similar benefits. So, read more if you want to know which one is best between the Amex Serve Cash Back Card or Amex Serve FREE Reloads card!

With the American Express Serve Cash Back Card, you can earn unlimited 1% cash back for purchases related to shopping and dining. Plus, you can get access to more than 30,000 MoneyPass ATMs to withdraw money with no fees. Moreover, there are no fees to load your card. Also, you don’t have to worry about getting into overdraft because this card only allows you to spend the amount loaded on the card.

In addition, there are no fees associated with activating your card online. Furthermore, you won’t have to be concerned about your credit score because Amex does not conduct a credit check during the application process. This is due to the fact that Amex will not lend you any money or credit. You will only be able to spend the money that you have loaded onto your card.

However, this card also has some downsides. For example, you need to pay a monthly fee of up to $7.95 to use the card. But if you live in New York, Vermont, or Texas, you don’t have to pay any monthly fees. Also, you will need to pay a fee of up to $3.95 if you want to make your card application at a physical store. Moreover, you need to pay a $2.50 fee if you need to withdraw money at ATMs not related to Money Pass.

With the American Express Serve FREE Reloads Debit Card, you can reload cash into your card at more than 45,000 locations. Also, you can easily transfer your money from your account with no fees. Plus, you can pay your bills online with no fees. Moreover, you can ensure that your card will be secure because this Amex Serve card is protected with FDIC insurance.

In addition, this Amex Serve card offers free reloads of funds from approved American Express reload locations. This can be a great benefit for those who frequently reload their card balance. There are no limits to the amount of free reloads that can be earned. Also, you can use Serve’s mobile app to manage your card and add cash to your account!

However, this Amex Serve card also has some disadvantages. For example, you need to pay a fee to get your card if you apply at a physical store and not online. Also, you need to pay a foreign transaction fee of 2.7%. Moreover, there is no rewards program available.

Both American Express Serve cards have similar features and benefits, but there are some key differences between the two cards. American Express Serve Cash Back is best for those who want to earn cash back on their everyday spending, while the American Express Serve FREE Reloads Debit Card is best for those who want free reloads at select locations.

When deciding which card is right for you, it’s important to consider your individual needs and how each card can help you save more money. Also, we recommend that you read the terms and conditions of both cards to know all about the details. Therefore, if you don’t think you want to apply for any of these Amex cards, read our review below to learn more about a different option, the Current Visa debit card!