Amex Serve Credit Card Loads to End in April

amex serve credit card loads

Note: On January 8, 2016 American Express sent out a notice to a large number of Bluebird & Serve cardholders informing them that loading capabilities on their accounts had been terminated. For more information, see: Amex kills Bluebird and Serve for manufactured spend

American Express has announced via the help section on their website that they will no longer accept Visa, Mastercard or Discover cards to load the Serve card after April 15, 2015.

They will still allow American Express cards to be used, however American Express cards do not earn points for those types of loads.

According to the site:

Note: Starting April 16, 2015 you will only be able to use an American Express® Card if you want to load your account with a credit card. Discover, MasterCard and Visa credit cards will no longer be supported after April 16.

With the removal of third party credit card loads, Serve loses one of its advantages over both Bluebird and REDbird.

Update: According to some readers, third party American Express cards such as the Fidelity Amex do earn rewards on credit card loads. Based on the language from the American Express website, these cards should continue to work.

HT: Miles to Memories

Last updated on November 28th, 2017

About Shawn Coomer - Senior Editor

Shawn Coomer has spent nearly a decade circling the globe for pennies on the dollar. He uses that first-hand knowledge and experience to teach others how to achieve their travel dreams for the least amount of money possible.

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Brad MeyerFree credit card spend. What’s left? - The Frequent MilerRickgaspipe1Allison Recent comment authors

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[…] By Shawn Coomer – Frequent Miler Staff […]

Nun
Guest
Nun

Your headline is inaccurate.

BenT
Guest

What’s inaccurate? Should he have said, “CC loads (except from Amex) will end in April” ?

Glen Garry
Guest
Glen Garry

I remember when Greg used to actually post stuff on this website.

Brianne Ball
Guest
Brianne Ball

The whole process took ten minutes and went off without a hitch.
Thanks for the hand holding and great service! Hoping the card works in my state…wish me luck!

Ford
Guest
Ford

Well this makes the RedBird switch look more appealing. After the stampede into target though, I don’t imagine that will last too long either. At this point we’ll have Amazon Payments, BlueBird, and all the expansion of MS since all piling in. Still, will be fun to watch Target employees as we descend on them.

NoonRadar
Guest

Indeed, this would be a good test to see if after the Serve-to-Redbird wave Target adjusts the generous $5K/month cc limit or keeps it as is. I guess we’ll know in a couple of months, my bet it it stays as is, at least through summer, or at least until its been launched in over half the stores (currently way below that mark)…and that would be another milestone to watch for, in terms of changes to Redbird.

I’ve seen quite an influx of people buying REDcard these last couple of days and I’m surprised to see so many people still use Serve and haven’t already traded it for Redbird, being that Redbird is so much more superior MS-wise.

By the way, if anyone can’t find Redbird locally, email me at NoonRadar@gmail.com and you can have yours in a matter of minutes. I’ve sold it to hundreds and have many references from buyers, you can see some of them here: https://bit.ly/1DMVZSS

Allison
Guest
Allison

NoonRadar was a great help in getting my Redbird card. Thank you!

Max
Guest
Max

Disappointing news! Thanks for the alert.

JohnRowe
Guest
JohnRowe

We can’t earn points for loads using amex cards, but can it still count for minimum spend requirements ? For ex. towards a 5000 spend requirement for the bonus on SPG amex ?

Ellen
Guest
Ellen

I’ve used Serve profitably for Discover targeted deals of spend X$ in Y months and get back $Z CB but now that it’s going away, I hope another opportunity comes for this kind of passive MS-ing.

Mat
Guest
Mat

i’m not seeing this anywhere on my Serve account website. Possibly targeted to certain states?

JAXBA
Guest
JAXBA

I found it in the FAQ, which don’t seem to be location specific:

https://www.serve.com/help/#add-money-5

Ruby
Guest
Ruby

Just curious, but serve allow the american express prepaid cards for target to be used as a credit card to reload?

iahphx
Guest
iahphx

So what we’re talking about is the $1000 a month that you can load in $200 increments from your home, right? Not a huge deal, but for folks like me who already have the Serve card and were thinking of making the effort to switch over to RedBird (cards aren’t available yet in my state, I’d have to find one on my travels) perhaps this is enough incentive to make the switch.

FWIW, I was in my local Target yesterday, loading my ancient AMEX for Target debit card. I use this only periodically, given the hassle of cash withdrawals and $3 withdrawal fees (after the first free one each month). The cashier said I needed to go the service counter to load. The lady behind the counter was friendly, but did mention that she keeps seeing folks come in everyday to load. That never happened in the old days when it was just AMEX for Target. Me thinks the days of easy loads will be numbered, but perhaps I can get in before the music stops. The problem wouldn’t be somebody loading just their own card and/or their spouse, but the people who will get piggy, and acquire a half dozen (or more!) cards to load. The problem of “the commons.” There’s no solution, except moving on to the next deal.

Sunbury
Guest
Sunbury

ouch. This is the one offer I got to work. I am glad I found out now- as I am fed up chasing my tail like a dog. SO now I will look for in a credit card- no interest for a period of time. That is the sweetest thing they can do for me. It is tho harder now to transfer things around. I am thinking red card and the others will go too. They use us to build up a card- then they change it- after we got the word of mouth out. I am sorry- but if I have $100, I can not spend $119.99 for too many times much longer. They have it all figured out- I think I just want to be a mindless bubble head- who participates in NOTHING.

MilesCollector
Guest
MilesCollector

This is indeed sad news. But here’s the brighter side for me. I have two serve cards that I frequently load at WM using SunTrust delta skymiles debit cards that have been earning delta skymiles for nothing. So, while CC load is going away, I will still keep the card and continue to do loads at WM. My card is suppose to expire in July 2015, so we will see if I get the same replacement card or a new rewards card. At that time, I will switch over to Redbird…:)

Silver
Guest
Silver

@Sunbury, do you mind terribly if I join you – to be a mindless bubble head – who participates in NOTHING? Beats joining IS.

brian
Guest
brian

So an Amex product is able to decline certain CCs…i.e. the “code” is there in the back-end for this to happen. Who wants to bet the over-under in # of months that the same thing happens to Redbird in < 6 months? … or whenever RB is released nationally?

Matthewsf
Guest
Matthewsf

Just curious but do we have any idea why they decided to do this? Was it to not have to pay anything to visa/MasterCard or rooted more in that they say people making MS transactions (e.g. Charges then withdrawals)?

With MS via Amazon payments gone (sending $ to folks charged to a cc), and now this, what is left for MS?

kjb
Guest
kjb

Anyone have a list of 3rd party amex cards? I know Fidelity and Flexperks, I thought there was a bofa one but I can’t find it. Wells Fargo Propel. I had been looking for confirmation that 3rd party cards work for another MS opportunity but now this may be useful too.

Brad Meyer
Guest
Brad Meyer

First National Bank of Omaha has one. Been wonder how that would would work out.

Mark
Guest
Mark

Is a gift card debit load still possible at Walmart? In other-words, use credit card to purchase gift card, then load Serve with gift card at Walmart. There is the $5.95 purchase cost (is lower available?) but if you are trying to get a spend requirement covered, wouldn’t this still work?

MilesCollector
Guest
MilesCollector

Yep! That’s what I have been doing all along. I have Kroger and Walmart next to each other. So, I buy $500 Visa GC for $5.95 using CC and then head over to WM and load these GC onto my serve cards. Have been doing this for a while now and so far no issues…:)

matthewsf
Guest
matthewsf

“They will still allow American Express cards to be used, however American Express cards do not earn points for those types of loads.”

Shawn,
Where is this stated/posted? I have an AMEX HH Surpass issued and was going to switch it out…but was unaware of this detail/rule. thanks.

trackback

[…] I got an email the other day from American Express, saying that, starting April 16th, you will no longer be able to load Serve with a credit card.  The one exception will be that you can still load it with American Express credit cards, but it is my understanding that those do not earn rewards.  I also saw this mentioned on (again) Frequent Miler. […]

Will
Guest
Will

Will loading Serve with an AE card satisfy the yearly requirement? (ie. Starwood AE> $35000 spend per year for Starwood Gold status?)

lou
Guest
lou

Just went to a Walmart and was told that I could not use visa gift cards that i purchased to load my serve card.

MilesCollector
Guest
MilesCollector

That’s odd. I just off loaded few VGCs at walmart yesterday without any issues. Can you try at other WM stores?

David
Guest
David

I recently bought a $500 Visa gift card from CVS, then found out I couldn’t load my Serve card with it. Eventually, I found two Winn-Dixie supermarkets (Louisiana) that allowed me to buy money orders with the gift card. Im depositing the money orders into my bank account tomorrow.

shumocker
Guest
shumocker

Can you use American express cards to load your Serve card online? It says you can’t use other cards to load your serve, but how about American Express Gift Cards?

David
Guest
David

Not sure about Amex gift cards, but I was able to load with my Amex green card.

trackback

[…] Amex is one of the few cards that still earns decent rewards when reloading Serve cards online (see Amex Serve Credit Card Loads to End in April).  Both cards are great options for most people, but both charge foreign transaction fees so […]

Gaspipe1
Guest
Gaspipe1

Well I just loaded $150 on my serve using my Chase Business United MileagePlus Explorer came out as a cash advance. FYI

NoonRadar
Guest

Another Redbird advantage compared to Serve in this aspect: No reported cash advances for loading Redbird from any credit card/bank, the transactions show as Target purchases on the credit card’s side.

Did you try to call the credit card to see if they would wave this one-time the cash advance fee because you weren’t aware etc?

Gaspipe1
Guest
Gaspipe1

I just noticed it now and posted it here to warn others. I will call tmrw otherwise I will pay it immediately to stop the daily costs.

gaspipe1
Guest
gaspipe1

As someone else stated, I too bought the card from NoonRadar and it went smooth and exactly the way he said it would. Now I wait for the card to come in the mail. For people that live too far for a store that has the red card this is a no brainer.

Thanks again Noon Radar!

gaspipe1
Guest
gaspipe1

Useless now but the charge actually showed up as a normal charge, NOT a cash advance.

Dr. Bob
Guest
Dr. Bob

Thanks for the heads up. Switched from the Barclay Arrival + MasterCard and applied for (and received) the Fidelity AMEX. Connected the AMEX to my SoftCard Serve Account (confirmed that my limits of $500/day and $1,500/month are continuing even through the SoftCard ended). Early data point (as it’s not April 16th yet) but the Fidelity shows the 2% as expected. Looks like this will be an alternate route for the Serve account since Visa, MC and Discover are being discontinued.

hoglard1
Guest
hoglard1

Does anyone know whether using a Citi AA Amex card to load funds onto Serve will incur cash advance fee? I’ve heard conflicting stories. Thx.

Mustangmom
Guest
Mustangmom

I’m new to this game and stumbled upon NoonRadar’s helpful comments and instructions elsewhere for Target’s Prepaid Redcard, but I can only purchase one at Target stores more than 2 hours away. So I bought the temporary card from him instead. He responded within a couple of hours, gave amazing instructions and lots of clear, helpful info. Very professional, no funny business. I was able to register the temp card with no problem whatsoever, and the permanent card is on the way! There’s a Target near me where I can then load/reload the card once it arrives. Thanks, NoonRadar, you saved the day! And I highly recommend his offer to those who want the Redcard, but don’t live close enough to a Target that sells them.

Rick
Guest
Rick

@Shawn Does AE spend for Serve loads count toward AE spend goal?

trackback

[…] used to allow $1000 of free credit card loads per month to its Serve prepaid product.  In April, they began restricting these loads to Amex cards only (but… there are still good uses for this feature!).  And, Target used to allow in-store credit […]