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.

how to get cash back on your debit card

I have worked in finance for almost 12 years now, and have learned quite a bit about personal finance during my tenure.  Learning how to create a budget, stick to it, and manage your personal finances responsibly is an important skill set that will serve you well. 

AmericanExpress has a new prepaid debit card that gives you 1% Cash Back on every dollar you spend when you shop in store or online! It’s the perks of using a credit card, without the interest or debt!  This is the only prepaid debit card with 1% cash back on purchases! 

Here’s how it works

Step 1: Get Your Free Prepaid Card

Register on-line to get your free prepaid debit card in the mail.  You can also purchase them from select retailers for up to $3.95.  The American Express Serve Cash Back prepaid debit card does not require credit checks, minimum balances, and there are no hidden fees.

Step 2: Set Up Your Card

You can have a Direct Deposit setup to go directly into your prepaid debit card, or you can transfer money by linking your prepaid debit card to your debit card to get the 1% cash back.  

Step 3: Use Your Card and Earn 1% Cash Back

You can use your prepaid debit card to buy groceries, pay bills, get cash from over 24,000 MoneyPass® ATMs, or shop online (if you’re an Amazon addict like me).  You can use your prepaid debit card anywhere AmericanExpress Cards are accepted.  You can get the American Express Serve Mobile app to easily access your balance, view recent transactions, or deposit checks.  

You can also easily send money to family or friends who have Serve accounts. 

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Step 4: Using Your Cash Back Balance

Once you’ve made your purchases and earned your can back, you can log into your account online to redeem the amount you’ve earned, and use it towards your next purchase. 

Are there Any Fees?

There is a low monthly fee of $5.95 that gives you access to free direct deposits, free in-network ATM withdraws, and free online bill pay.  If you use an out-of-network ATM withdrawal, there is a $2.50 AmericanExpress Serve Fee. 

Having worked in the banking industry, I have seen many monthly checking account fees higher than that, with less benefits, and no cash back incentive.  

Additional Perks

Serve Cash Back prepaid debit card members are given access to all of AmericanExpress network benefits, including 

  • World Class customer service, 24/7
  • Access to special offers
  • Purchase protection against accidental damage and theft, up to 90 days from the date of purchase 
  • Roadside Assistance Hotline 
  • Easy access to money management tools

To sign up for your free American Express prepaid debit card and start enjoying 1% cash back on all of your purchases, go here

All material on this website is provided for your information only and may not be construed as medical advice or instruction. Posts may contain affiliate links, which helps me buy supplies to make more great posts to share! Please see my Disclaimer Section for additional information.
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