Add a Credit Card to Serve

AMEX Serve Logo

How to Add a Credit Card to Serve

To add a credit card to your Serve account, navigate to the Settings page, and click on Bank & Cards.

Serve Settings Bank and Cards

Then click the Link Credit Card button.

Link Credit Card

Enter your credit card information as well as your mailing address.  You should use a real credit card, not a gift card, a debit card, or a card that you are an authorized user on.  The transactions are processed by American Express as a purchase, not a cash advance.  Some people have reported that American Express credit cards are not earning miles/points, so I would use a different credit card from another bank. After entering all the information, click the Submit button at the bottom.

Link Credit 1Read and understand what the Backup Funding Source is/does.  It means that if you use your Serve Card to make a purchase larger than your current available balance, the remaining charge will come from your credit card.  I don’t recommend using that feature, but you can do what you want.
Link Credit 3Congratulations, your credit card has been successfully linked to your Serve account.
Link Credit 4Back at the Bank & Cards settings page, you can view your linked credit card.  You can only have one linked credit card at a time, so if you want to change it, you will have to remove the current credit card and add the new credit card to your Serve account.
Link Credit 5Now to add money, click the Add Money button, and type any amount up to $200 (that’s the daily limit for adding funds from a credit card).  Select your credit card from the funding source drop down menu and click the Review button.

Add Funds Credit 1

Double check that the amount you entered is correct and that you have chosen the correct funding source.  If it all looks good, click the Submit button.

Add Funds Credit 2

Congratulations, you just added funds with your credit card!

Add Funds Credit 3

Back at your Serve home page, you can see all your recent transactions, including the $200 credit card reload.

Add Funds Credit 6

You will also receive a confirmation email from Serve with details of the transaction.

Add Funds Credit 4

As for the $200 credit card reload charge, it is showing up as a pending purchase at US Bank.

Add Funds Credit 5

After a few days, the charge posts to my account with no indication of a cash advance.  I haven’t tested all the other banks, but it sounds like all the other banks (with the exception of American Express) process the charge as a purchase and will earn miles/points.

AMEX Serve Charge US Bank Account

If you have any questions, please leave a comment below.

This entry was posted in Uncategorized.

About Grant

Grant is an expert in frequent flyer miles, hotel loyalty points, credit card rewards, and cash back deals. He also has a pretty cool travel blog. Find him on Twitter @travelwithgrant.

84 thoughts on “Add a Credit Card to Serve

    1. Grant

      According to FlyerTalk, Citi cards do not charge cash advance fees for online credit card loads. IF you are afraid anyways, call Citi and have them lower your cash advance limit to $0 and then try a $1 credit card load online.

      Reply
  1. Jayme

    New to this site and kinda angry my super slick deal finding schemes never put two and two together to travel for free! Anyway, just getting into the program, Discover card keeps sending me Cash Back bonus deals. The newest is to spend $1000/mo May-Sept and get additional $30/mo cash back per month. So basically $5000 spending, $150 Cash Back. If I can load this $1000 to my Serve account per month, it’s free money, right? Does Discover process as a purchase or cash advance? Gotta love the idea of credit float using OPM (other people’s money).

    Reply
  2. Jayme

    Well that only took 2.5 hours to attempt the $1.00 Discover… Gotta love Serve customer (dis)service!

    Nothing was working, not even my already authorized bank account. So after 20 minutes of monkeying around, I called. 40 minutes waiting for a rep. She couldn’t help because the funding accounts need to be re-verified. So after 10 minutes with this rep, she transferred me to account specialist. Another 20 minutes on hold. 5 minutes again explaining the situation. 15 minutes on hold for first verification call… then she came back and asked if it would be OK to call back after verification. 20 minutes later bank now verified. Now to verify Discover… Only 10 minutes this time. Finally! During all this waiting time, I found a $150 MyVanilla card I never activated. Now to figure out how to max the value on that…. It never ends!

    Reply
    1. Grant

      Wow, what a long phone call. I was on hold for 15 minutes as they were on call with PayPal. I’m surprised they don’t have a special direct number to bypass the normal wait times. Glad you were able to verify your bank and Discover Credit Card. Trust me, it gets easier from here.

      Reply
  3. Robert

    Grant, thanks for showing us that US Bank treats these loads as purchases. How do you recommend reaching the 1K each month? 5 straight days of $200 or would you suggest spreading the 1K out over the month?

    Reply
    1. Grant

      Either will work. US Bank might freak out at the beginning, but they’ll let you do it after that. I think I did 5 reloads in 6-7 days with Bank of America and US Bank.

      Reply
  4. biochemfiz

    some sites say there is a cc online load fee, some don’t. what is your experience? im not talking about cash advance. Is there a 2-3% fee when you use a cc to fund the account?

    Reply
      1. shalon

        Hi, Grant,

        on the amex website, it says credit card might be apply for cash advance,,, um;;; how we know this will change later?
        and i heard if you charge today and tomorrow, then tomorrow the serve will be blocked and you need to call to resolve?…

        please answer

        Reply
        1. Grant

          I would recommend using a credit card that is not from American Express. I have used Chase, Citi, and US Bank and have never been charged a cash advance fee. They will only freeze your reloading ability so they can verify the name on the credit card matches the name on your Serve Card.

          Reply
  5. Grant

    No cash advance fee for Chase, Citi, or American Express. I’ve heard you don’t earn points when using an American Express credit card.

    You can send money to your friend, up to $2,500 per month.

    You can load funds from Walmart with most Visa gift cards.

    Reply
    1. GM

      Even though AMEX cards don’t earn points/miles when loading Serve, do you know if these transactions count towards minimum spend requirements for an AMEX card (old Blue Cash)?

      If not, how about purchasing AMEX gift cards with an AMEX card to meet minimum spend requirements?

      Reply
      1. Grant

        I’ve never used an AMEX card to load Serve, so I’m not sure. I think FT says it will count for minimum spend, but not for earning points.

        You can buy AMEX gift cards with an AMEX card. Those cards are hard to liquidate, but if you can handle that, then go for it.

        Reply
      1. kkgmac

        Can u add a cc to serve that is not yours? If my daughter gets a serve and she were to add 1 of my cc to her account and fund hwr serve with it ( to earn points for me) is this a problem?

        Reply
  6. Ruel

    Hello Grant. You mentioned that NO CASH ADVANCE FEE for Chase, Citi and Amex. Does this include Chase Marriott Rewards card? Please advise. Thank you.

    Reply
    1. Grant

      I don’t think AMEX rewards online reloads, since it costs them money to accept the charge and pay out the reward. For example, charging $1,000 with SPG would result in some fee to AMEX plus having to pay 1,000 SPG points. Then the customer could just withdraw funds to their bank account or bill pay back to the credit card. They don’t want to encourage cardholders to do that.

      Reply
  7. John

    I get that this is legal, but is it ethical? This whole process has to be at someone’s expense – in this case I have a feeling the credit card companies with rewards and/or Serve are getting tricked and paying unnecessarily?

    Reply
    1. Grant

      Serve is probably losing money on the reloads but they make money on the funds that are held in their accounts and from credit card swipe fees. They did the math and it makes sense for them to offer online reloads for free.

      Reply
    1. Grant

      You can only have 1 credit card and 1 debit card linked at one time. You can change them whenever you want, but you can only have 1 credit and debit card linked at a time.

      Reply
  8. Mike

    @Grant – Can you add your CC to say your family member’s Serve account? Or even like a roommates Serve account?

    Reply
  9. duhingo

    I got my serve card in the mail today and i tried to add 20 dollars in with my chase card, but the transaction was declined. Is this normal? Should I call the credit card issuer to let them know that I am using this CC to add to my serve card?

    Reply
    1. Grant

      The Chase card you used probably has a $0 cash advance limit. You will need to raise that limit ($1000 should be fine). After that, the transactions will go through fine and no cash advance fees will show up on your card. I use my Chase Freedom with no problem.

      Reply
      1. Michael

        ok, so if I understand this correctly, I cant charge against the credit card unless it allows a cash advance but then it won’t do it as a cash advance?

        Reply
          1. Robert

            US Bank cards post as a cash advance? Last I heard, all cards (except AMEX), originally went through as cash advances, but then actually posted as purchases. Has this changed?

  10. Robert

    That’s too bad. Do you have a link to a list or FT thread will the latest up to date info on which cards work and which don’t? If not for your reply to the previous poster, I wouldn’t have even known.

    Reply
  11. Michelle

    I have a serve and so does my husband. I have a citi aa card in my name on my serve account. This is really under my husbands account, as he is primary. He had an alaska personal card linked to his account. This month my aa transactions are going through properly and I have added 200 per day for nov 1-4, and will make my final monthly add tomorrow nov 5. My husbands card had the first transaction of the month go through but then it was declined. Alaska said it was Bc we requested no cash advance and it was going through as a cash advance. I tried to add his chase ihg card and got the message card issuer declined at the point of linking the card . He called chase and they said they didn’t deny anything the account is in goodnstanding. We called serve they said they didn’t deny it. I tried to add his biz alaska card it was declined bc it was a cash advance. I tried to add his aa card but it said it wasn’t eligable( maybe bc we have the same account number and mine is already linked to u account?) serve said there are no issues. Ihg / chase said there are no issues. American/ citi said there are no issues. Alaska said its a cash advance and they can’t authorize it since we told them no cash advance on the card and this is going through. Not sure what to do. Any ideas to help?

    Reply
    1. Grant

      Very strange, I have my Chase Freedom linked to my Serve Card and my parents have Chase Sapphire Preferred linked and it works fine. Not sure what is going on. Do you have any other Chase credit cards?

      Reply
  12. Michelle

    Yes hyatt but it’s in my name. My husband was charged a10 cash advance fee on Alaska for the 200 add. I just found out. We have made 7 alaska charges in 200 increments and only now it’s getting flagged as cash advance. Everyone says all is fine but I don’t know how to fix this. Going to call to try to get 10 waived and see if serve can manually add aa. Not sure what else to do…

    Reply
  13. Bea

    Today, I couldn’t load the Serve with my linked United Millage MC. It went fine last August, but today an error message said it was declined by the credit card company and I should contact them. So, I called the Chase and was told that they no longer allow you to make transactions with this specific merchant (American Express Serve) and this applies to ALL Chase issued credit cards.

    Reply
    1. Grant

      Thank you for the data point. Have you tried using any other Chase credit card? My mom used her Chase Freedom credit card today and my dad used his Chase Sapphire Preferred today and they both loaded fine to Serve.

      Reply
      1. Bea

        No. I was told ALL the Chase issued credit cards would not work. I have Chase Ink Plus and United Millage Plus VISA, though.

        Reply
        1. Grant

          I believe the information you were told is incorrect. Hopefully someone else can chime in with their experience using Chase credit cards to load their Serve Card.

          Reply
          1. Aggie

            I have trying to load Serve with my Chase Sapphire card but I keep getting the message, ” Your card has been declined by your issuer.”

            Is there any other way I can load Serve with a cc.

          2. Grant

            Does your CSP have $0 cash advance limit? You will have to raise the limit (I recommend $1,000). The transaction initially processes as a cash advance, but it posts as a purchase that earns miles/points/cash back. With that said, you may need to call Chase and have them raise your cash advance limit on the card. That is what I did and it works perfectly now.

  14. sam

    Hi, Mr. Grant

    I saw flyertalk taking about some chase credit card charges CA so be careful

    and I wonder how about Amex credit card?. I heard I won’t get a point but

    still i am able to get the signup point since i will fill up the spending with serve load right?

    so there is no CA for the AMEX credit card to load serve?

    please answer

    thanks

    Reply
    1. Grant

      You are partially right Sam. If you use a Chase credit card to load your Serve Card, the initial transaction will affect your cash advance limit (so you must have a cash advance limit greater than $0 for the transaction to go through). 1-2 days after making the online Serve reload, the transaction posts as a purchase and earns miles/points/cash back.

      As for American Express, online Serve reloads will count as a purchase, but you will not earn any miles/points/cash back. Barclays credit cards do not charge cash advances and will earn you miles/points/cash back for online Serve reloads. Hopefully that explains it clearly.

      Reply
  15. sam

    Hi,. grant
    thank you for your answer.

    but the flyertalk says some people charged CA for chase bank credit card.

    they listed some are work some aren’t not, but looks like it will turn all to CA soon.

    have you noticed or are you still think chase credit card 100% no CA in these days?

    and does amex will not charge CA at all? or it will change too like chase?

    Reply
    1. Grant

      I’ve been using Chase credit cards to load Serve for the last few months and have never been charged a cash advance fee. If you are worried, try a small $1 test load and see if anything happens. As for AMEX cards, I have not heard of any cash advance fees posting.

      Reply
  16. sam

    thanks and how you know if that goes to cash advance or not?
    if it went through as debit transaction , then it is considered as purchase?

    Reply
  17. sam

    thanks but i i request to set the CA limit as $1. they might think

    i am going to load serve with this credit card. then how you can do yourself on the website? cause nowadays many people call them and asking because of being charged CA. that is suicide

    Reply
    1. Grant

      Sam, set your cash advance limit to $1,000 on your Chase credit card and do 5 $200 online Serve reloads. It will post as a purchase, not a cash advance, just trust me.

      Reply
  18. joshua

    Will using a Credit One Bank Platinum Visa show up as a cash advance restricting me to my credit line cash advance limit or will this transaction show up as a normal online purchase allowing me to exceed that 25% cash advance limit? Please reply @ your earliest convenience Grant, ty.

    Reply
    1. Grant

      I am not sure, I have never used a Credit One Bank Platinum Visa credit card before, so I’m not sure if it will show up as a purchase or a cash advance. You might want to set the cash advance limit $0 before you try to make an online Serve reload.

      Reply
  19. Stan

    Each time you add and remove a credit card, does AMEX have to re-verify the ID and new card? or is this a first time thing?

    Reply
  20. Jayne S.

    I just signed up for Serve & used a Citi MC. Initial deposit $200. Do I have to sign in every day for 5 days to reach the $1,000 limit for the month, or is there a way to set up auto deposit from my MC?

    Reply
    1. Grant

      I would be careful using a Citi credit card, they might charge you cash advance fee when you load your Serve Card. I recommend using a Chase or Barclays credit card, neither of them charge a cash advance fee. You can schedule a payment to be made every day for 5 days from your Serve account.

      Reply
  21. Jayne S

    I confirmed with Citi. I wasn’t charged CA. Is the $1,000/month deposit limit each 30 days, or from day 1 of month to the last day of the month?

    Reply
    1. Grant

      Earlier this month I used my Chase Freedom and it worked fine. Which card are you using? You may need to adjust your cash advance line for the initial charge to go through.

      Reply
      1. Chris

        I haven’t used any yet, but have several Chase cards to choose from. I wanted a more recent verification before I tried it as I’ve just set up my Serve account and am awaiting the card in the mail.

        Reply
        1. Grant

          Gotcha. Serve Card reloads show as cash advances, but post as purchases that earn miles and points. Whatever Chase card you choose, make sure it has at least $1,000 in cash advance fee limit. That’s it! Hopefully your Serve Card comes soon.

          Reply
  22. Trina

    @ grant if i use my amex credit card to load my amex serve card how long does it takes to post and will i be charge a ca fee??

    Reply
    1. Grant

      Trina, don’t use your AMEX card for online Serve reloads. You will not earn any miles or points. Use a Chase or Barclays credit card instead.

      Reply
  23. Chris

    So, I got my Serve card today and activated it, but when I went to add my Chase United card, it was declined. This is odd since I’ve got a cash advance limit available on the card and my account shows no activity for today, but whatever. I then attempted to link my Chase Marriott card and it went through just fine. I wonder if Chase is catching on and shutting them down one by one?

    Reply
  24. Mj

    Just got chase southwest plus and want to load from serve but don’t want ca fee. Have you or anyone else did this from chase southwest as of yesterday or today and not gotten ca fee?

    Reply
    1. Grant

      I haven’t used that particular card, but I use my Chase Freedom to load my Serve Card online and the transaction goes through as a purchase, not a cash advance.

      Reply
  25. Mike Hufano

    After reaching my $1,000 limit for Credit Card transfers in February, I lowered my cash advance limit on my Chase SWRR card down to $100. I tried a Credit Card transfer today and it was declined. I called into Chase and raised my cash advance limit to $1,020 to see if it would go through. I tried again w/ the Chase rep on the phone and it went through. But it was flagged as a CASH ADVANCE. The rep mentioned they had changed some mapping(?) that starts in March…. anyone have a similar experience?

    Reply
  26. A

    Hey Grant, could you update this post since they are no longer allowing any card but AMEX to load Serve online? Could you include the specific cards that you recommend to use to load Serve online?

    Reply

Got something to say?