Credit Cards (US)

Serve® American Express® Reloadable Prepaid Card review

Find out everything about a card that offers free reloads at over 45,000 locations. Check out the Serve® American Express® Reloadable Prepaid Card review!

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by Aline Augusto

04/11/2022 | Updated on 07/22/2022

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Partner Offer through CreditCards.com

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Serve® American Express® Reloadable Prepaid Card: reload for free at over 45,000 locations!

Check out how to reload your card for free with this card! Source: The Mister Finance.
Check out how to reload your card for free with this card! Source: The Mister Finance.

If you cannot manage your finances well, credit cards can be dangerous tools. On the other hand, debit cards might be the best option. Reloading a credit card could cost a lot, but in this Serve® American Express® Reloadable Prepaid Card card review we’ll show you how it doesn’t have to be this way.

Serve® American Express® Reloadable Prepaid Card

How to get Serve® American Express® Reloadable?

Check out how the Serve® American Express® Reloadable Prepaid Card application works!

Credit ScoreCredit check is not required
Annual Fee$1 to $5.95 monthly fee ($0 with a Direct Deposit of $500+x)
Rates & Fees
Regular APRNot applicable
Welcome bonusNone
RewardsNone

Read on to learn more about this product!

How does the Serve® American Express® Reloadable Prepaid Card work?

Not everyone can afford or want to hold a credit card for various reasons. Among these reasons, there are two that overcome others.

First of all, if you carry a bad credit history, the chances of you applying and being approved for a good credit card are low.

Second of all, credit cards work like loans. So, if you can’t maintain effective financial management, a credit card might be the worst tool for you.

Then, debit cards can be worth considering in both situations.

On the other hand, debit cards require reloading. Therefore, you need to search for cards that won’t charge a lot when it comes to fees.

The Serve® American Express® Reloadable Prepaid Card lives up to its name. It offers free cash reloads at more than 45,000 locations.

No minimum balance is required; it is free to register online and features free online bill pay.

Although it charges $6.95 per month, it provides you with Zero Liability on unauthorized charges, plus purchase protection.

In summary, this debit card is an excellent option for those who seek convenience, reasonable fees, and finances reestablished.  

Serve® American Express® Reloadable Prepaid Card benefits

Keep reading our American Express Serve FREE Reloads debit card review! Source: Pexels.
Keep reading our American Express Serve FREE Reloads debit card review! Source: Pexels.

This American Express Card offers free cash reloads at over 45,000 locations, free online bill pay, fraud protection, and no hidden fees.

Also, no credit check is required, and there is no minimum balance. See the pros and cons next in our Serve® American Express® Reloadable Prepaid Card review.

Pros

  • It offers free cash reloads at over 45,000 locations;
  • It doesn’t require a minimum balance;
  • There is no credit check;
  • It provides fraud protection;
  • It features free online bill pay.

Cons

  • It charges $6.95 per month;
  • 2.7% foreign transaction fee.

How good does your credit score need to be?

There is no credit check required when you apply for this card. Since it is a debit card, you don’t need to prove you have a good credit score for the application.

How to apply for the Serve® American Express® Reloadable Prepaid Card?

If you want to learn how to apply for this American Express, check out our next post about it!

Serve® American Express® Reloadable Prepaid Card

How to get Serve® American Express® Reloadable?

Check out how the Serve® American Express® Reloadable Prepaid Card application works!

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Partner Offer through CreditCards.com

NOTE: American Express® has decided to discontinue the Prepaid Card.

If you are interested in obtaining an American Express® reloadable prepaid card, please visit Serve.com to learn more.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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