American Express Serve
  • Welcome to
    American Express Serve®

    Your Full Service Reloadable Prepaid Account
    with no credit check, no minimum balance, no hidden fees

  • Free Cash Reloads

    Add cash for free across 15,000 CVS/pharmacy® stores and
    participating 7‑ELEVEN® locations. Learn More

  • Get Your Federal Tax Refund Fast —
    Plus a $20 Credit1

    Don't wait for your check by mail. Have your tax refund automatically
    added to your American Express Serve® Account and use it to pay bills
    and for everyday shopping. Learn More

Register now to get started.

Why?

Your email is required to deliver our service and communicate important account information, disclosures, updates, and offers. For more information, see our E-Communications Disclosure and Privacy Statement.

Close

i

Why American Express Serve

Easy to Get, Set Up, and Use

Get it in stores or online

Buy a Temporary Card at retailers2 such as CVS/pharmacy®, Duane Reade, Family Dollar, Fred's Super Dollar, Office Depot, Sheetz, or Walgreens and easily register for a Personalized Card online or with the American Express Serve® Mobile App3 to access all of the services American Express Serve has to offer. Or, skip the store and go directly to registering for an Account online.

Set it up quickly and easily

There is no credit check or minimum balance requirement to set up an Account — just a simple registration form.

Add money and use your Card for everyday purchases

Add cash at the register for FREE across 15,000 CVS/pharmacy® stores and participating 7‑ELEVEN® locations. Or, you can add money with Direct Deposit, a bank account, or a debit or credit card.4 Then, use your Account to pay bills, buy groceries, and shop virtually anywhere American Express® Cards are accepted.

All for $1 a Month

  • FREE to register for a Card online5
  • FREE cash reloads across 15,000 CVS/pharmacy® stores and participating 7‑ELEVEN® locations
  • FREE Direct Deposit for easy and fast access to your paycheck
  • FREE ATM withdrawals at over 23,000 ATMs6
  • FREE online bill pay
  • FREE Subaccounts for your family and Reserve to put money away for a large purchase or vacation
  • No credit check, no minimum balance, and no overdraft fees

Plus, there's no monthly fee when you use Direct Deposit or add $500 during your monthly statement period.

See All Features    See Fee Chart

World Class Service and Security

Service

The American Express standard of service means a live person is here 24/7 to answer any questions and help find solutions.

Safe and Secure

If your Card is lost or stolen, you won’t be responsible for fraudulent Card charges. Shop with added confidence and Purchase Protection,7 which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions.

Register now to get started.

Why?

Your email is required to deliver our service and communicate important account information, disclosures, updates, and offers.
For more information, see our E-Communications Disclosure and Privacy Statement.

Close

1 To receive the $20 credit from American Express Serve, you must (i) successfully sign up for new American Express Serve Account, (ii) activate your American Express Serve Card, (iii) select and successfully enroll in Direct Deposit for your 2013 1040 federal income tax refund with your American Express Serve Account information, (iv) file your 2013 federal 1040 income tax return by April 15, 2014 and (v) receive your 2013 1040 federal income tax refund by Direct Deposit into your American Express Serve Account by May 31, 2014. A qualifying Direct Deposit is defined as an electronic deposit of a 2013 1040 income tax refund by the United States Treasury into your American Express Serve Account. Refund anticipation loans or other similar providers and products do not qualify for the promotion. Transfers or loads into your American Express Serve Account from any other funding source (including P2P, credit or debit card, ACH, remote deposit, cash) whether or not such load or transfer includes all or a portion of an income tax refund check, monies or other any form of income tax refund, do not qualify for this promotion. Funds transferred via Direct Deposit generally post on the day that American Express Serve receives the transfer from your payor. However, in some instance it may take several days for American Express Serve to receive your payor's transfer, so please allow sufficient time for that process to occur. American Express Serve is not responsible for income tax return or refund processing or direct deposit requests that are not honored or otherwise erroneously processed by the Internal Revenue Service, United States Treasury or their agents. Statement credit will be posted to your American Express Serve Account within thirty (30) days of satisfying the above requirements. Limit one (1) $20 credit per American Express Serve Account. Subaccount holders are not eligible to earn a credit. Offer subject to change or cancellation at any time and cannot be combined with any other offer(s).

2 A $2.95 purchase fee applies to the purchase of a Temporary Card. See store for details.

3Data rates may apply.

4Cash advance fees for credit card loads may apply; please check with your credit card issuer for details.

5Fees apply to American Express Serve® Accounts. See serve.com/fees for more details.

6American Express Serve will not charge you an ATM fee if you use a MoneyPass® ATM. For non-MoneyPass® ATM withdrawals, American Express Serve charges a $2 ATM fee. ATM owner fees may also apply. Transaction limits apply. Subject to Account privileges/permissions. See the American Express Serve Consumer User Agreement at serve.com/legal for details.

7Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

American Express Serve® Accounts available to U.S. residents who are over 18 years old only (or 19 in certain states) and for use virtually anywhere American Express® Cards are accepted worldwide, subject to verification. Fees apply. Other eligibility and restrictions apply. See the American Express Serve Consumer User Agreement for details.

Serve Virtual Enterprises, Inc. is a wholly-owned subsidiary of American Express Travel Related Services Company, Inc. American Express Serve Service and Card are provided and issued by American Express Travel Related Services Company, Inc. 200 Vesey Street, New York, NY 10285. American Express Travel Related Services Company, Inc. is licensed to engage in the transmission of money on behalf of the public. Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses, and other disclosures.

All users of our online services subject to the Privacy Statement and agree to be bound by Terms of Service.

© 2014 Serve Virtual Enterprises, Inc. All rights reserved.