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  • Unlimited 1% Cash Back on Purchases1

    Save when you shop in store and online with Serve. Ideal for your expenses, regardless of how big or small.

  • Use the Serve
    Mobile App2

    Check your balance, set up Early Direct Deposit3, pay friends on-the-go, add checks with Mobile Check Capture by Ingo® Money4, pay bills online, and more.

  • Budget for Today
    and Tomorrow

    Use Reserve to set your tax refund aside for later or use Insights to track spending and set budgets.

  • Save Every Day

    Save Every Day

    From clothes to eating out, enjoy savings at the places you love. With Serve, you'll get access to Amex Offers.

  • Safety & Security

    Safety & Security

    All these features and more backed by the safety and security of American Express. Plus, if your Serve Card is lost or stolen, we protect you against fraudulent purchases.

Smart. Simple. Serve

Add checks with Mobile Check Capture by Ingo® Money4

FREE Send and Receive between other Serve Accounts

FREE Early Direct Deposit3

Smart. Simple. Serve

FREE ATM Withdrawals at over 30,000 Moneypass® ATM Locations Nationwide.5

FREE Online Bill Pay

Explore a range of offers from places you love. It's easy and free. See what Amex Offers you.

Smart. Simple. Serve

Access the American Express® Standard of Service 24/7.

With the Serve Mobile app2, check your balance, view recent transactions, add checks, and send money.

Track and categorize your spending. Set maximum monthly budgets by spend category.

The American Express Serve Family of Prepaid Debit Accounts

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  1. Serve Home > Money Management

  2. 1

    Earn 1% Cash Back on purchases (less returns/credits) rounded to the nearest dollar, added to your Account after you use your Card. Rounding purchases to the nearest dollar means that you won't earn a fraction of a penny in Cash Back. For example, a purchase of $0.01-$0.49 rounds to $0.00 (you don't earn Cash Back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 Cash Back), and so on. Account spend limits apply. The Serve Cash Back Card is the only prepaid Card/Account with 1% Cash Back on purchases, not limited to select merchants or select purchases. Cash Back is typically applied to your Account promptly after your purchase, but could take up to 60 days. Cash Back can be redeemed and used only for future purchases made with your Card and cannot be redeemed for cash or otherwise exchanged for value. Subaccounts are not eligible to earn Cash Back. ATM transactions, fees and Serve Online Bill Pay are not purchases and do not earn Cash Back. For full terms and restrictions, see the Cash Back User Agreement.

  3. 2

    Data rates may apply.

  4. 3

    Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.

  5. 4

    The Mobile Check Capture by Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and the First Century Bank and Ingo Money Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your Account. See for details. Additional terms and conditions and limits are associated with your use of the Mobile Check Capture by Ingo Money service through the Serve Mobile app. See for details. Data rates may apply.

  6. 5

    Transactions at non-MoneyPass® ATMs have a $2.50 American Express Serve fee. ATM operator fees may also apply. See for details.

  7. Currently there are no cash reload locations in the US Virgin Islands.

    The American Express Serve® family of reloadable prepaid Accounts are 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. For complete details please visit to view the applicable Consumer User Agreement for each Serve reloadable prepaid Account.

    American Express Serve Service and Card are provided and issued by American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, N.Y. 10285. American Express Travel Related Services Company, Inc. is licensed to engage in the transmission of money on behalf of the public and is licensed as a Money Transmitter by the New York State Department of Financial Services. NMLS ID# 913828. Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.

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    © 2019 American Express Travel Related Services Company, Inc.  All rights reserved.