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Prepaid Card from American Express

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The American Express prepaid card is a card that consumers can use to manage their money better. The device is prepaid, which means the cardholder must load funds onto it before he or she can use it.

The funding limit is the amount of money that the person adds to the card. This card is re-loadable, which means that a consumer can add more money each time he or she depletes the amount of cash that was loaded previously.

american express prepaid card

There is no limit on the amount of times the person can reload the card, thus making it convenient for any person.

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Why Consumers Choose the American Express Prepaid Card

Consumers choose the American Express prepaid card for a wide variety of reasons. The main reason shoppers like to use this card is organization. It is much easier for a person to carry one plastic card to shopping locations than it is to carry various denominations of cash. Convenience is the second most prevalent reason people choose this device.

The same merchants who accept regular American Express cards also accept the prepaid versions. Therefore, cardholders can use the prepaid device to shop in a multitude of physical shopping locations as well as online stores.

Consumers can use it in the United States and abroad at any location that accepts American Express.

Qualifying for an American Express Prepaid Card

Qualifying for the American Express prepaid card is easy. Any person who is 18 years of age or older can apply for one of these devices. The only person who may use the card once it arrives is the person whose name is clearly printed on the front.

Card users can be as young as 13 years old.

Therefore, a parent can purchase a prepaid card for his or her teenage son or daughter to begin teaching that child about responsibility.

How a Person can use the American Express Prepaid Card

An individual cardholder can use the prepaid card in a number of ways. He or she can use it with any physical merchant that takes the card. The American Express prepaid card is acceptable in most department stores, grocery stores, fuel stations, restaurants and more. Additionally, the cardholder may use the device with thousands of online merchants.

card review of american express prepaidHe or she can also use the card to pay for monthly memberships. The device is extremely flexible and reliable as American Express is one of the top cards that merchants accept.

How to get an American Express Prepaid Card

Obtaining an American Express prepaid card is quite simple. The interested party can either purchase a temporary card at a participating Walgreens or CVS retailer or order one online. The individual will have to provide personal information such as name, address, telephone number, birth date and social security number.

He or she will also need to state whether the card was purchased for personal use or for another person. After submitting the necessary information, the order will go through, and the consumer should receive it in seven to 10 business days.

Features and Benefits of the American Express Prepaid Card

The American Express Prepaid Card provides a wide variety of features and benefits for its customers. Clients will feel as if they are members of an elite club by holding this card. Some of the most amazing benefits that they can enjoy are as follows:

Roadside Assistance:

Roadside assistance is a special service in which a cardholder can receive help with car trouble. The service offers towing, winching, jump-starts, flat tire changes, locksmith entry and fuel delivery of up to two gallons. Dispatch is free, but the cardholder will have to pay a reduced fee for additional services.

Access to these services is available for the cardholder 24 hours a day and seven days a week. Additionally, any cardholder in the United States, Canada, Puerto Rico and the Virgin Islands may call for assistance. The cardholder must be with the car at the time he or she requests the services and it does not cover rental cars.

Purchase Protection:

Amex Assurance company provides each cardholder with a certain level of protection against the theft or accidental damage of purchased goods. A cardholder can call the toll free number (1-866-207-7970 or 1-801-849-2000) to initiate a claim. The consumer must place the claim within 90 days of the date of purchase.

Additionally, the service has a $1,000 limit on each claim and a $50,000 limit per account per calendar year. Consumers can feel confident that any material item they purchase will have a high level of protection.

Entertainment Access:

Members who love visiting entertainment events can take advantage of the plethora of savings and discounts available to cardholders.

Users can find discounted tickets to movies, music and sporting events.

The service provides discounts for a vast amount of advance tickets.

Not only can a cardholder get the least expensive tickets, but also he or she can reserve the best seats well in advance of the event. For a complete list of upcoming events, the cardholder may visit americanexpress.com/entertainment or stop by the Ticket Savings Center for many more discounts and specials.

Top-Notch Customer Service:

amex prepaid card reviewWith American Express, someone is always available to help. Friendly, caring hospitable customer service representatives work around the clock to ensure that each cardholder has assistance.

Cardholders can call a toll free number to speak with a live operator, mail a question or search the website for additional information.

No one is ever left without knowing all the details of his or her card. Amex’s mission is to educate all of its consumers and it does an award-winning job providing such services.

Fewer Fees:

One of the most enjoyable aspects of the American Express prepaid card is its low fees. There are absolutely no customer service fees, no annual fees, no transaction fees, and no monthly fees. The lack of these fees alone beats many other prepaid card providers.

Additionally, the first ATM withdrawal of each month for all cardholders is free. Thereafter, ATM withdrawals will cost the person $2.00, and the fee will conveniently come from the balance on the card.

Furthermore, the consumer does not have to pass a credit check to qualify for the card. This makes card ownership possible for many debtors who have made mistakes in the past and just want the convenience of owning a card.

Global Assist:

Global assist is a service that aids cardholders when they are traveling abroad. Members can receive a number of useful services such as assistance with translation, doctor and lawyer referrals, prescription replacements and more.

The service is free, but the consumer will be responsible for any fees incurred by the legal or medical expert. Anyone who is traveling abroad may pre-authorize the global assist services by calling 1-866-207-7970 or 1-801-849-2000.

American Express Selects:

American Express prepaid cardholders have access to discounts at a wide variety of dining and shopping locations in addition to travel and leisure deals. He or she can view the full list of discounts by visiting American Express Selects

How to Load an American Express Prepaid Card

A cardholder can load an American Express prepaid card in a number of ways. The easiest way to load is with cash. The individual can visit a participating retailer and load an amount between $20 and $500 via GreenDot MoneyPak or Vanilla Reload Network prepaid reload.

Either one of these methods cost a reload fee.

After purchasing the reload card, the individual will then visit the website of the reload card and transfer the funds from his or her reload card to the American Express prepaid card.

Another way a person can reload the American Express prepaid card is with direct deposit. The individual can visit his or her profile, download the direct deposit form, and give it to his or her employer. The employer will then transfer the person’s paycheck onto the card.

Lastly, a cardholder can add his or her bank account to the profile and transfer funds onto the card using that method. The individual can set transfer dates or complete one time loads. The funds will be available approximately five days from the transfer date.

Cardholder Disputes and Protection

A cardholder may choose to dispute any transaction that has been placed on his or her card if he or she believes it to be fraudulent. To initiate an investigation, the person must call 1-866-207-7970 or 1-801-849-2000. The investigation will begin immediately upon report of the fraudulent transaction. The merchant will have to prove that the transaction was valid.

If the card company finds that the cardholder was correct, then it will refund the purchase amount to the card. If the company finds that the charge is valid, the charge will remain the same.

Managing the American Express Prepaid Card

prepaid card by american expressManaging an American Express prepaid card is convenient and simple for card purchasers and users. To gain access to all the controls and features, the cardholder can enter his or her Username and password at americanexpress.com/prepaid.

From there, the person will have access to a wide variety of controls and options such as:

  • Adding funds
  • Updating personal information
  • Viewing transcation history
  • Setting up reloads
  • Managing ATM access preferences
  • Setting up text alerts or email alerts

A person who is not the card purchaser and only uses the card will have limited access. This person will only be able to update personal information, set up text and email alerts, and view his or her transaction history.

Anyone who loses his or her password or User ID can retrieve the information by calling the customer service number, which is 1-866-207-7970. Alternatively, the individual may search for the “Forgot User ID” link and answer some questions to retrieve the lost information.

Closing the American Express Prepaid Card

Any person who no longer desires to have an American Express prepaid card can close or cancel it by calling 1-866-207-7970 or 1-801-849-2000. The person will no longer be able to make purchases on the device and the balance of the funds will be returned to the purchaser.

Making Life Simpler

Interested parties can try the American Express prepaid card to see if it makes life any simpler.

The venture is risk free and it makes purchasing household items and other products more manageable.

Any person who would like to test this option can order a card online now. If you want a credit card but are not sure which one to apply for, simply use the FREE credit card chaser tool below and see all of the options available to you!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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