AMEX Serve

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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solomon
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AMEX Serve

Postby solomon » Wed Jan 21, 2015 10:15 am

American Express Serve is a pre-paid card I just got in the mail.

I am still learning about it and how to reap maximum benefits from it while using my AMEX Blue Cash Everyday to buy gift cards at Family Dollar, Walmart, Walgreens, or CVS because I read a blog on Million Mile Secrets about getting a Vanilla Reload card and using my Blue Cash Everyday to money onto my Serve card.

The Serve card can also be used to pay bills (via the online bill pay system) you can’t normally pay with a credit card (like rent, mortgages, student loans, utilities, or credit cards) since it is card with a pin.

This way I can make necessary purchase requirements while still having the option of getting my money back at a MoneyPass ATM.

Does anyone have any experience with this?

Source: http://millionmilesecrets.com/2014/07/03/breaking-news-you-can-load-gift-cards-to-your-american-express-serve-account-at-family-dollar/
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Gamma
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Postby Gamma » Wed Jan 21, 2015 12:06 pm

Only cards that seem to load without problems are gift cards issued by metabank. Vanilla reloads no longer work to purchase with credit cards at CVS because unfortunately, the computer is hard coded cash only. What you should go for is THIS . This is what I use on my JCB and Citi double cash card. You may want to use the serve card to max out the online credit card load with a MasterCard not Visa or else it will come out as cash advance.

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PlyrStar93
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Postby PlyrStar93 » Wed Jan 21, 2015 12:59 pm

Don't bother with looking for Vanilla Reloads. Most likely you will have to buy them cash only.

You can load Serve online with a credit card, thus meeting spending requirements. However, it will be considered as cash advance for Visa cards issued by Citi/PNC/US Bank/Bank of America. Visa cards issued by Barclays/Chase/Capital One are fine right now (it will transact like a cash advance, but when it posts it will be a purchase and earns points, and cash advance limit go back to normal). You can buy gift cards at grocery stores/pharmacies/etc. to get rid of the cash advance problem, but sometimes it's still a pain to find a store that allows you to buy those things with a credit card.

If you are interested, you can think of Redbird as above mentioned. You may or may not be able to find that in your state.
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solomon
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Postby solomon » Wed Jan 21, 2015 2:23 pm

It's 1/21/2014 and I went to Family Dollar and they said that I cannot use a credit card to load Vanilla Reloads or buy gift cards. They said it has to be cash or debit.

Did this change since July 2014? Also, can you buy Visa gift cards at grocery stores with a credit card instead of cash or debit?

@plyrstar93 Do cash advance have % interest rates?
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PlyrStar93
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Postby PlyrStar93 » Wed Jan 21, 2015 3:11 pm

solomon wrote:It's 1/21/2014 and I went to Family Dollar and they said that I cannot use a credit card to load Vanilla Reloads or buy gift cards. They said it has to be cash or debit.

Did this change since July 2014? Also, can you buy Visa gift cards at grocery stores with a credit card instead of cash or debit?

For VGCs, it's a YMMV issue. For some stores (even under the same chain) they let you buy gift cards with credit while some other stores do not. The Family Dollar near me won't let me buy them with credit. I do have both successes and fails at a few grocers. Policy could change at any time, and maybe even before July 2014. Laying low and moving on is the key.

At least Vanilla Reloads have been cash only since last April at CVS. Also the Vanilla Reload PIN will be no longer available soon, which gets replaced by the Vanilla Reload Swipe (though I have no idea how this change can affect us - at least I never bothered with any VR's).

solomon wrote:@plyrstar93 Do cash advance have % interest rates?

Yes, if a transaction is posted as cash advance, then it's usually subject to higher-than-purchase APR and interest will accrue immediately (i.e. no grace period).
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