Three Weeks with American Express Serve Cash Back

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Disclosure: I participated in an Influencer Activation on behalf of Influence Central for American Express Serve. I applied for the Serve Cash Back card to facilitate my review and received a promotional item to thank me for my participation.

It’s rare for me to have cash in my wallet. It happens on occasion when I am somewhere between the ATM and the bank, or if I get some cash back at the register so I can give my daughter a few dollars for snacks at gymnastics practice. But otherwise? I use my debit cards for everything. So when I shared with you a few weeks ago that I was going to be using the new American Express Serve Cash Back card for a few weeks , I knew it wouldn’t be too difficult to transition to it. Well, having used it for a few weeks, I can say that not only was it not difficult — it was actually really easy.


Just to recap, American Express Serve Cash Back is a prepaid debit card that offers 1% cash back on all purchases. So whether you spend $1 or $100, you’ll get 1% of that amount added to your account, simply waiting for you to redeem it.

So what was my experience? Well, I work from home and honestly don’t go out much. As a result, my spending is generally pretty routine: Groceries, gas, eating out, bills and the occasional online purchase. Because I had never owned an American Express card, I was a little worried that it might not be accepted in all the places I frequent. Thankfully, that fear was unfounded, as every retailer and vendor accepted it. Even iTunes, when I used it to re-up on some diamonds in my favorite mobile game. Don’t judge me.

Honestly, the experience was seamless and simple, and I really appreciated being able to keep track of my spending and balance from the American Express Serve app on my smartphone. It was easy for me to see transactions go through shortly after making them, and when one transaction didn’t clear right away, I was able to track it until it finally did clear. I was just talking to my husband the other day about the fact that I don’t know anyone who keeps a written record of their individual bank transactions any more, and I think it’s because online banking has made it so easy to see transactions right away that we no longer need to write them down.

But what I really appreciated about the app was what drew me to the idea of the American Express Serve Cash Back card in the first place: The cash back. In addition to tracking my balance, the app allowed me to see what cash back was available and also to redeem it toward my next purchase. With more than $200 in spending, that means the 1% cash back promise left me with more than $2 to claim. That may not seem like much, but if I continue to use this as my primary prepaid debit account, that cash back will really begin to add up and come in handy in those moments when I’m a few dollars shy of the amount I need to make a purchase.

Overall, I’m really happy with the ease of use of the American Express Serve Cash Back card and 529, and I plan to continue to use it as a way to help me compartmentalize my saving and spending, no physical bank required.

If you’re ready to try it, it’s incredibly easy to register for an account online and receive your American Express Serve Cash Back card in the mail for free. If you’d prefer to get started in person, you could also purchase the card from a retailer for up to $3.95. Unlike a credit card, there’s no credit check, minimum balance or hidden fees. The only cost is a monthly fee of $5.95 to maintain your account.

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