American Express Launches New Green Serve Card: "American Express Serve Free Reloads" - Doctor Of Credit (2023)

FAQs

Where can I load my serve card for free? ›

Free Cash Reload at thousands of locations at over 45,000 CVS/Pharmacy^®, Family Dollar^®, Walmart^® and participating 7-ELEVEN^® locations. You can add money to your Serve Account from your checking or savings account by intitiating a transfer from your bank into your Serve Account.

The Amex Green card is a fantastic option for those who travel often and frequently dine out at restaurants, all while offering a variety of high-value redemption options to cardholders. Cardholders also benefit from perks like the up to $189 annual CLEAR credit and $100 LoungeBuddy credit.

In addition to normal earnings, the American Express Green Card offers a welcome bonus of 45,000 Membership Rewards® points after spending $2,000 on purchases within the first 6 months of card membership.

To qualify for the Amex Green card, you'll need to have a good to excellent credit score (a FICO score of 670 or higher).

How do I make in store purchases? You can use your Serve^® American Express^® Prepaid Card virtually anywhere American Express® Cards are accepted. If a merchant asks you to choose between “credit” and “debit”, select “credit”.

It's easy to use your Serve Account to pay individuals or merchants located in the United States, such as your cell phone provider, your landlord, or your utility company. You must have activated your personalized Serve card and verified your email in order to use the Bill Pay feature.

Green from Amex takes this flexibility to another level with no preset spending limit. Unlike a traditional card with a set credit limit, the amount you can spend on your Card adapts based on factors such as your credit history, purchase history, and payment history.

The American Express® Green Card* is a great travel card, with solid travel and transit-related rewards, a decent welcome bonus and plenty of other benefits. However, the card does come with a $150 annual fee.

A green card provides many advantages, primarily that it allows the green card holder to permanently live and work in the United States, and after a number of years, become a U.S. citizen. You can apply for U.S. citizenship after three years if you are married to a U.S. citizen, or five years if not.

The main difference between the two is that the American Express Green Card is a charge card while Blue Cash Preferred Card from American Express is a credit card. If you plan to carry a balance, avoid charge cards as they that you pay in full.

Is Amex Green Card free? ›

The American Express® Green Card is a good card for traveling and dining out, but it comes with a $150 annual fee. (See rates and fees.) Card members can make up this cost with up to $200 in statement credit offers every year, but paying $150 during your first statement may not be in your budget.

Those looking for a dining and food-focused card should opt for the Amex Gold card thanks to its 4x rewards, dining credits, and Uber Cash credit. Those who prefer an all-around everyday and travel-related card should opt for the Amex Green card thanks to its 3x earnings, plus its annual CLEAR and LoungeBuddy credits.

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.

A 650 credit score is considered “fair” credit, which means you should be able to get a credit card or loan, but a little bit of credit improvement will give you many more options and help you save a lot more money.

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.

A daily withdrawal limit of $2,500 applies for each Serve account held, and a cumulative $2,900 daily limit applies across all your Serve accounts.

American Express offers three different types of Serve cards, the American Express Serve®, the American Express Serve® FREE Reloads and the American Express Serve® Cash Back. All three cards can take the place of a traditional bank account, giving customers alternate options for handling their money.

You can transfer money only to your linked checking or savings account, but not to a debit card. Log into your Serve account. Go to Money Out then select Transfer to Bank. If you already have a linked bank account, the bank name will be displayed.

Because you can't overdraft your Serve^® American Express^® Prepaid Debit Account, there are no overdraft fees. Additionally, you can add a backup funding source to ensure your transactions will not be declined due to lack of funds in your Account.

Your Serve Account comes with a card that can be used online or in stores everywhere Visa^® or American Express^® Cards are accepted.

Does Serve card affect credit score? ›

As you make purchases using the prepaid card, your available balance goes down. To increase the balance, you must reload the card with more funds. There is nothing to pay-off, no monthly statements, no interest payments – but no impact on your credit score. Be aware that you may incur fees.

Yes, your American Express^® Credit Card gives you the flexibility to withdraw cash from any eligible ATM.

The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.

However, you must fulfill the minimum annual income criteria for the American Express® credit card you are applying for. In general, you require a minimum income of Rs. 4.5 lakh or above if you are salaried, and Rs. 6 Lakh or above if you are self employed.

Green Card Costs

The government filing fee for a family-based green card is $1760 for an applicant applying from within the United States, and $1200 for an applicant living outside the United States. Note, this does not include the cost of the medical exam, which varies by provider.

$455. (see Special Instructions for exceptions). A biometric services fee of $85 may also be required. Refer also to Special Instructions below for the table "Filing Fees by Application Reason".

If several investors participate in the same business, they can each receive a Green Card. However, it is necessary that each of the applicants contributes the required investment sum of $1.8 million, or respectively $900,000.

Although some Permanent Resident Cards, commonly known as Green Cards, contain no expiration date, most are valid for 10 years. If you have been granted conditional permanent resident status, the card is valid for 2 years.

If you're a green card holder, you're on the way to have your US passport as soon as you get US citizenship. In other words, you can't have a US passport or renew it with a green card. You need to have US citizenship to have a US passport or a US passport card.

Is the Amex Green Card hard to get? ›

The Amex Green card's credit score requirement is 700+. This means you need at least good credit to have a decent chance of approval. The Amex Green card's credit score requirement is comparable to that of several other American Express cards.

The card's fresh design was created in part to draw environmentally conscious consumers. Unlike many of the high-end rewards cards that are made of metal, Green from Amex is made from 70% reclaimed plastic collected from beaches, islands and coastal communities, in partnership with Parley for the Oceans.

You'll need good to excellent credit to qualify for the Blue Cash Preferred® Card from American Express. Generally speaking, this is defined as a credit score of 690 or better.

If you want to permanently live and work in the USA, then you need to apply for a Green Card as it gives its owner lawful US permanent resident status and the possibility to live and work in the USA for as long as they want. The US government gives away 55,000 Green Cards every year for free.

The smaller percentage of your balance you're using, the higher your credit score will be. But the green AmEx, along with the other AmEx charge cards, has no official, preset spending limit, so American Express doesn't report one to the credit bureaus.

Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.

According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

Michael Battle, WalletHub Credit Card Analyst

The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card. The Walmart® Store Card also requires at least fair credit for approval.

How much can you get approved for with a 640 credit score? ›

You can borrow as much as $40,000 - $100,000+ with a 640 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

A 750 FICO^® Score is above the average credit score. Borrowers with scores in the Very Good range typically qualify for lenders' better interest rates and product offers. 25% of all consumers have FICO^® Scores in the Very Good range.

Consumers with 800+ credit scores have an average of 8.3 open accounts. High credit score consumers have an average of 8.3 open accounts — similar to the 7.9 we found in 2021.

Where can you load cash to an American Express Serve Card? You can add cash to your Serve Card at over 45,000 locations including CVS/pharmacy®, Dollar General®, Family Dollar®, Rite Aid®, Walmart® and participating 7-ELEVEN® locations for a $0 fee.

You can add funds, direct deposit, pay bills, deposit checks, transfer money, and withdraw cash from ATMs.

You've got plenty of choices to find a spot to reload your Fancard Prepaid Mastercard® with cash. Some of these include CVS, Rite Aid, Walgreens, Circle K, Dollar General, HEB, and more! You can find which stores are closest to you here. Find out all the details of loading your card with cash here.

You can transfer money only to your linked checking or savings account, but not to a debit card. Log into your Serve account. Go to Money Out then select Transfer to Bank. If you already have a linked bank account, the bank name will be displayed.

While the Serve Card is not a traditional credit card, it is still a valuable tool for your personal finances. This convenient reloadable card offers free online bill pay and other convenient banking features without all the excessive charges.

Can I use Amex card to withdraw cash? ›

Yes, your American Express^® Credit Card gives you the flexibility to withdraw cash from any eligible ATM.

For Serve^® American Express^® Prepaid Debit Accounts, you can enjoy FREE ATM withdrawals at over 37,000 ATMs in the MoneyPass^® ATM network in the US. Transactions at non-MoneyPass ATMs have an up to $2.50 Serve fee. ATM operator fees and decline fees may also apply.

With Serve^® American Express^® Prepaid Debit Accounts, you can enjoy FREE ATM withdrawals at over 30,000 ATMs in the MoneyPass^® ATM network in the US. Transactions at non-MoneyPass ATMs have an up to $2.50 Serve fee.

Because you can't overdraft your Serve^® American Express^® Prepaid Debit Account, there are no overdraft fees. Additionally, you can add a backup funding source to ensure your transactions will not be declined due to lack of funds in your Account.

Present the Serve^® Pay As You Go Visa^® Prepaid Card to a teller at a Visa member bank location and request the amount of cash you'd like to receive. This is known as an over-the-counter (OTC) cash withdrawal.

You can add money from checks directly to your Serve account using the Mobile Check Capture feature in the Serve Mobile App on your iPhone® or Android device. * Fees and limits apply.