- Prepaid Card
- Network: American Express
- Online Response:Yes
|Activation Fee None||Monthly Fee None|
|w / a Signature (most common) Free||w / a Pin Free||at an ATM 1 free ATM withdrawal per calendar month -- thereafter, $2 per withdrawal|
|Live Free||Automated Free|
|Cancellation Fee Free||Inactivity Fee None|
- The American Express Prepaid Card has no recurring fees. Unlike many other prepaid cards, you keep more of your money in your wallet—where it belongs.
- Add money online or by phone, from Direct Deposit, a bank account or with cash.
- You can add money to the Card using your bank account or cash until your balance equals $2,500, or using Direct Deposit until your balance equals $5,000. The maximum amount you may load to the Card in any month is $2,500 (bank account or cash); $5,000 (Direct Deposit).
- The American Express Prepaid Card comes with world-class Customer Service. Simply call us anytime, 24 hours a day at 1-866-207-7970.
- Build a financial track record with the American Express Prepaid Card. Use your Prepaid Card regularly and you may be invited to apply for an American Express Charge Card.
- Feel safe knowing that if the Card is lost or stolen you won't be responsible for fraudulent charges and American Express will replace the funds.
- Get up to three Cards -- Because you can order up to three Cards, you have the choice of giving them to the people you choose or keeping one for yourself. So you have the freedom to manage your own spending or use it to provide money to the other people in your life.
- 4 easy ways to load money into your prepaid card: 1) Direct Deposit (free); 2) Bank Account (free); 3) Load Cash with the Vanilla Reload Network™ ($3.95 fee); 4) Load Cash with MoneyPak® ($4.95 fee)
- Direct Deposit
If you currently have the American Express Prepaid Card and are satisfied or you like the terms of this prepaid card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Jamie Vestal- Vires:
I like this card, I have had it for a few months and have not had any problems so far. I use this in place of a bank account. I applied for the card online and the online application process was fast and easy. It took about 4 days for me to receive my card after I applied. I like that it doesn't have any fees and that it provides the same features as the other cards they have. The only thing that I don't like is that American Express cards are not accepted everywhere. Other than that I do not have any complaints about this card.
April 5, 2013 at 03:18pm
- Card Hub:
There shouldn't be any fee to close your account. You'll just need to contact their customer service and cancel your account.
February 20, 2013 at 10:47pm
- Anonymous User:
How much $$ is to cancel the card?
February 20, 2013 at 02:23am
- Shelly McConahay:
I really enjoy having the American Express Prepaid Card. I've had mine for a almost a year now. I use mine instead of a bank account. I received my card very quickly, within a week of applying. I get my money direct deposited. It is very convenient because I do a lot of independent contracting and the money is deposited typically with in two days of the time I request a deposit. I have never had good luck with bank accounts or regular credit cards. This one allows me to only spend what I have, and I can check my statements directly on the website. I also opted for e-mail notifications so I know exactly where my money has gone. My card is accepted just about everywhere. I like that the card has no fees as some other pre-paid options do. There is no monthly fee. I use my card for everything. I feel more secure carrying it around than a giant wad of cash.
February 8, 2013 at 11:19pm
- William Sartin:
I applied for the American Express Prepaid care about 6 months ago. They had a great promotion where I got a $25 bonus on my first deposit. I received the card about 2 weeks later and it was simple to set up. I can access my account online and also by phone. I get access to 24 hour customer service. The card has no minimum and there are no usage fees when making purchases. I can load my card with a GreenDot MoneyPak or with direct deposit. It was so east to setup the direct deposit with my online account. I use this card for mostly online purchases and feel safer with the prepaid card online.
January 3, 2013 at 08:40pm
- Naomi Kovar:
I use the American Express prepaid credit card. I found out about it from an online promotion that was paying $3 to apply. It has a lot of good features including no activation fee and no monthly fee. I use it as a backup credit card for times when I'm travelling or shopping, and something goes wrong with my primary credit card. Although it's a prepaid card, If you use it regularly and keep your account in good standing, you might get an invitation to apply for an unsecured American Express card. You get one free cash withdrawl per month from an ATM machine, which most prepaid cards don't offer. Reloading is free if you do it from your bank account or through direct deposit.
December 26, 2012 at 06:16pm
- William Warf:
This card isn't worth it. You have to wait even longer to get paid (if you have direct deposit) because it takes them an additional 2 to 5 business days to process, etc. NetSpend gets expensive, but it's a heck of a lot better than this thing!
December 9, 2012 at 07:01pm
- James Sanders:
This card it bull shit. What person wants to go for three day with out there money if my money is put on the card today wwhy would I have to wait for three days. This card have u fooled and all the comments on here are lies so stop wit the bull shit and the Ppl on here are fake as heel for it. Fuck American Express
December 7, 2012 at 10:51am
- Catie Marie:
This card is wonderful! I use it all the time and it is so easy. I have had absolutely no problems using this card. It is easy to sign up for and use. When I want to make a deposit or transfer money, it arrives without any problems within around two days at most for me. It was also easy to sign in and out as long as I remember the password but for some reason, the password will not save to my computer so its difficult but that is the only problem I have had. It is also extremely easy to see all of my account information and all of my transactions in and out of the account so I know what is going on and where my money has went.
November 30, 2012 at 05:36pm
- Eartha Michelle Mclaurin:
How long does it take for direct deposit to post?
November 15, 2012 at 01:19pm
- David Rhinehart:
great card, but the bad is that AmEx cards are not accepted everywhere.
October 24, 2012 at 08:14pm
- Duane CClark:
howdo I activate my american express card online I have tried to but could not get it done I have opewned online account does it cost anything to open an account prepaid card online let me know.
October 16, 2012 at 12:13am
- Anonymous User:
THIS CARD IS A FUCKERY!
October 5, 2012 at 03:32pm
- Anonymous User:
any other financial institute I can get this card ordered apart from American express site..
September 23, 2012 at 02:30pm
- Anonymous User:
As advertised, I have yet to incur any additional fees, I have owned this card for over a month now and haven't yet had a problem. As Connie suggested I feared being in a small town that AMEX would be a harder card to use in the area but it's not as bad as I had originally though. The only problem that we currently have it the load times. I'm new to prepaid cards so I'm not sure if it's normal for it to take more then 2 days to reload but it has for us. We have had our bank account linked to this card and verified, yet still takes 2 or more business days for the funds to be available. ATM fees are a bit steep, however you do get one "Free" withdraw per month. Free as in AMEX will not charge you however ATM fees may still apply based on whatever bank owns the ATM. Also, worth noting are said ATM fees, AMEX charges their own fee, and it is stacked on top of whatever ATM fee there is, so keep that in mind if you ever need to use the ATM. Overall, great card if ATM use isn't on top of your list.
September 6, 2012 at 05:57pm
- Connie Murphy:
I've had this card since November of last year, and my only real complaint is trying to find a restaurant in my area that will take American Express. Some smaller, privately owned stores won't take AmEx either. But overlooking that one flaw, I really like this card. I love that they give you one 'courtesy' a month and allow a free ATM withdrawal. That's just awesome. Then, after that just two dollars which is much less then any of of the other Prepaids I've dealt with in the past. AmEx really has that going for them, the truly minimal fee thing. Honestly, this is my fave of my Prepaids and I'd recommend it to those who don't plan to use when dining out. Oh, and their customer service is great. I've only had to call twice, but both times got through to a live Rep straight away and had my issues resolved instantly; just small issues too with updating my email and mailing address.
July 25, 2012 at 03:48pm
- Anonymous User:
I have had this prepaid card for almost a year now. It is a great way to carry a debit-type card without having it linked to your bank account and obviously makes your wallet lighter because you don't have to carry cash either. I have yet to find a store that does not accept this card for whatever reason. If they take plastic, they take this! Adding money to the card is a simple process that I do quickly and efficiently online. I am very happy that there are no fees attached to this card beside the ATM fee, although I do not need to use this card for the ATM so that works out well, also. Overall, I would say this is a great card for yourself or a child if you want them to have access to money without putting it on a credit card.
July 18, 2012 at 05:15pm
- Alex Weis:
I got the American Express Prepaid Card about six months ago and have yet to incur any fees. I usually upload a few hundred dollars at a time to the account and replenish those funds once I am close to exhausting the balance. To add money I have strictly used their online banking, but it appears as though you can also do it by phone or by using direct deposit from a bank account. The one thing that Amex will charge you for is for withdrawing funds from this account from the ATM. It is because of this that I recommend you get this card if you are looking to benefit from their great customer service or if you are looking to build your financial track record in the hopes that you will be invited to apply for an American Express Charge Card.
July 12, 2012 at 06:41pm
- William Smithers:
I use two of these to give my kids their allowance. The kids thought it was cool until they figured out that it wasn't a charge card like the one I use and they couldn't just buy whatever and pay it back later. It worked out okay, though, and I can schedule automatic payments to this card with my bank. The $2500 monthly limit for this method of adding money to the card works out nicely since there's no way they're getting anywhere near that much money per month. I like that there are very few fees, though the $2 per ATM transaction is a bit steep considering the ATM frequently also charges a similar fee for use. It works out to about a 20% charge on a $20 bill. The kids have pretty much stopped using cash except for emergencies. The replacement policy is probably the best part since the kids have lost or destroyed the cards several times already. I'm not sure how they manage to do that but the lack of access to their money for a few days because of not having a card doesn't seem to affect their ability to take the cards out of circulation. I still haven't gotten a straight answer about how the one card got torn in half the long way. In any case, these cards are almost perfect for what I use them for.
June 14, 2012 at 02:56pm
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The card information shown on this page was last updated: May 2nd, 2013 at 11:37 EDT
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