American Express Serve

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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.


Your Full Service
Reloadable Prepaid Account

  • FREE to register online1
  • FREE cash reloads at over 15,000 locations
  • FREE ATM withdrawals at over 24,000 locations nationwide2
  • FREE online bill pay
Full Service Reloadable Prepaid Account

Your Full Service
Reloadable Prepaid Account

  • no credit check
  • no minimum balance
  • no hidden fees
Full Service Reloadable Prepaid Account

Free Cash Reloads

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

Free Cash Reloads

    Easy to Get, Set Up, and Use

    1. Get a Card

    It’s free to register for a Card online1 and get it in the mail. Can’t wait? Pick one up at your local CVS/pharmacy®, Duane Reade, Family Dollar, Fred’s Super Dollar, Office Depot, Sheetz, or Walgreens for just $2.95 and then register your Card for an Account online.

    Have a Temporary Card? Register online to get a Card with your name on it and enjoy everything American Express Serve® has to offer.

    2. Add Money to Your Card

    Use Direct Deposit, link your debit, credit,3 or bank account, add checks using your mobile phone,4 and load cash for free across 15,000 CVS/pharmacy® stores and participating 7‑ELEVEN® locations.

    3. Use Your Card Every Day

    Pay bills, buy groceries, shop online, withdraw cash for free at over 24,000 ATMs, send and receive money between family and friends with Serve Accounts, and use virtually anywhere American Express Cards are accepted.

    Get Fast, Easy Access to Your Money with Direct Deposit

    Direct Deposit is FREE, so don't wait to cash your paycheck or government benefits — get all or part of your paycheck added directly to your Serve Account.

    Plus, your monthly fee is waived when you use Direct Deposit during your monthly statement period.

    Do It All On the Go

    Use the American Express Serve® Mobile App4 to check your balance and recent transactions, pay bills on the go, add checks, and send money to family or friends. Download the American Express Serve Mobile App for iOS or Android.

    You can also tap and pay using your smartphone anywhere American Express contactless payments are accepted with the Isis Mobile Wallet®. Learn more at

    Add Cash for FREE

    Just give $20 or more in cash and your American Express Serve® Card to the cashier across 15,000 CVS/pharmacy® stores and participating 7‑ELEVEN® locations. Your money will be immediately added to your Card.

    • CVS/pharmacy
    • 7‑ELEVEN

    Or, add money to your Account by purchasing a MoneyPak® or Vanilla® Reload wherever they’re sold.5

    FREE ATM Access

    Get FREE ATM withdrawals at over 24,000 ATMs nationwide. And, you can withdraw cash at any ATM worldwide.2

    Easily Pay Bills Online for FREE

    You’ll save time and postage by paying bills like your car payment or phone bill online (electronic transfers take as little as two days) and by storing payee information.

    Send & Receive Money Quickly

    It’s safe and easy to send and receive money from other Serve Accounts.

    Use this feature from your home computer or on the go with the Serve Mobile App. You can easily pay a friend back or split a bill.

    Manage Your Money with
    Reserve & Subaccounts

    Reserve is an easy way to set aside money for a large purchase or vacation. Transfer money as often as you like from your available balance, keeping it separate from everyday spending.

    Subaccounts are perfect for giving allowance, paying the babysitter, and covering college expenses. Each one comes with its own Card, while you maintain control of spending and ATM access.

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      24/7 Customer Service

      You’ll have access to the American Express Standard of Service, 24/7.

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      Fraud Protection

      If your Card is lost or stolen, you won’t be responsible for fraudulent Card charges.

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      American Express Offers

      Get access to special offers, content, and more from top brands on Facebook, Foursquare, and Twitter. Learn more at

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      Entertainment Access®

      Get special savings and advance tickets to some of the hottest events in music, sports, and theater.7

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      Purchase Protection6

      Shop with added confidence and Purchase Protection,6 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.

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      Travel Protection

      Assistance is only a phone call away with our Global Assist® Hotline8 and Roadside Assistance Hotline.9

    Get started now.

    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.


    1 Fees apply to American Express Serve® Accounts. See for more details.

    2 American 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 for details.

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

    4 Data rates may apply.

    5 MoneyPak® fee of up to $4.95 applies. Vanilla Reload fee of up to $3.95 applies.

    6 Purchase 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

    7 Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

    8 While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see

    9 Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see

    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.

    Isis Terms of Service are available at Activating the Isis Mobile Wallet requires an Isis Ready® device and SIM card and participating wireless carrier account. Isis Mobile Wallet and Isis Ready are trademarks of JVL Ventures, LLC. Contactless symbol is property of EMVCo, LLC.

    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.