Jan 10, 2015, 8:55 pm
Last edit by: ericdabbs
The previous megathread is here.
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
Treated as purchase, but doesn't earn points/miles:
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $200/day and $1,000/month [B]
- Online Credit Card Load (AmEx only) - $200/day and $1,000/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $500/day and $1,500/month
- Online Credit Card Load - $500/day and $1,500/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
- AAA Rewards AmEx
- Alitalia AmEx
- Bank of America Accelerated Rewards AmEx
- Bank of America Asiana Airlines AmEx
- Bank of Hawaii AmEx Card with MyBankoh Rewards
- Bloomingdale's AmEx
- Citi AAdvantage Platinum Select AmEx
- Citi Dividend AmEx (not obtainable unless specifically requested)
- Citi Thank You Preferred AmEx (not obtainable unless specifically requested)
- Dillard's AmEx
- FNBO AmEx
- FNBO Graphite AmEx
- FNBO Platinum AmEx
- Macy's AmEx
- Penfed Premium Travel Rewards AmEx
- SavingStar AmEx
- Travelocity AmEx
- US Bank Flexperks AmEx
- USAA Cash Rewards/Rewards Plus AmEx
- Wells Fargo Propel World/365 AmEx
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
- Bank of America (FIA) (MasterCard, American Express)
- Barclaycard (Mastercard, Visa)
- Capital One (Mastercard, Visa)
- Chase (MasterCard, Visa)
- Citi (MasterCard, American Express)
- Discover
- Wells Fargo (American Express)
Treated as purchase, but doesn't earn points/miles:
- American Express issued (Counts toward minimum spend -- see post #434) but does not earn points. Example: For the Delta Amex card, Serve counts towards min spend DL miles sign-up bonus, but that spend and subsequent trials of spend on Serve will not earn points. Don't do it, man!
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
- at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
- get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
- CSR also told me the I can load and spend on the temporary card, but not bill pay.
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.
Training a WM cashier:
- If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
- If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
- The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
- Avoid saying gift card. Always refer to your card as a debit card.
Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.
DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.
TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered.
HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.
Using Serve
For online bill pay
- You can pay the credit card that you used to buy VRs/GCs
- Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
- Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Serve - Another Paypal/Amazon payments (2015)
Jun 18, 2015, 1:57 am
#1591
Join Date: Sep 2010
Location: SFO
Programs: Hyatt Diamond, Hilton Diamond, IHG Plat
Posts: 275
Thanks for the responses to my question. After reading a few recent posts, I also have a question on Citi cards. To confirm, only the soft Serve account can load funds with Visa, the physical card account can only load with AE?
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
Jun 18, 2015, 3:33 am
#1592
Join Date: Mar 2007
Location: EWR-SEA-IAD
Programs: UA 1P MM, AS MVP G*, SPG Gold, Hyatt Plat, IHG Plat, Hilton Diamond, Marriott Gold
Posts: 977
Thanks for the responses to my question. After reading a few recent posts, I also have a question on Citi cards. To confirm, only the soft Serve account can load funds with Visa, the physical card account can only load with AE?
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
Jun 18, 2015, 7:49 am
#1593
Join Date: Jul 2014
Posts: 3,688
If you didn't sign up via phone browser months ago, it means you have a regular Serve. Sorry to say, Softcard was bought by Google and d/c as of 3/31/15. There's no way now to sign up for one.
Jun 18, 2015, 8:02 am
#1594
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,672
I think if you look at the physical card, it will say Softcard (or ISIS) somewhere on the front of the card if it is a softcard. Mine does.
Jun 18, 2015, 2:45 pm
#1595
Join Date: Sep 2010
Location: SFO
Programs: Hyatt Diamond, Hilton Diamond, IHG Plat
Posts: 275
Thanks everyone for your response. I just looked at the back of my Serve card and it just had a Serve symbol and a Prepaid card symbol so I don't think it's a Softcard. I got this around two years ago which may also mean that this is not a Softcard. Should have gotten it when it's available now the Serve card isn't as versatile as the Softcard. Oh well...
Thanks again for all tips and help.
Another question I have that related to Serve but also about Bluebird. My wife has a Bluebird and I was thinking whether to switch it over to Serve. Serve gives me the ability to load fund with AE but Bluebird doesn't. However, I can load Bluebird with GC at WM, wonder if Serve can do the same? If so I don't see any reason to keep Bluebird over Serve (well at least in my case, if all I do is just load with AE or GC to make initial spend?)
Appreciate any comment and tip, thanks and have a wonderful day
Thanks again for all tips and help.
Another question I have that related to Serve but also about Bluebird. My wife has a Bluebird and I was thinking whether to switch it over to Serve. Serve gives me the ability to load fund with AE but Bluebird doesn't. However, I can load Bluebird with GC at WM, wonder if Serve can do the same? If so I don't see any reason to keep Bluebird over Serve (well at least in my case, if all I do is just load with AE or GC to make initial spend?)
Appreciate any comment and tip, thanks and have a wonderful day
Jun 18, 2015, 2:48 pm
#1596
Join Date: May 2015
Posts: 97
Another question I have that related to Serve but also about Bluebird. My wife has a Bluebird and I was thinking whether to switch it over to Serve. Serve gives me the ability to load fund with AE but Bluebird doesn't. However, I can load Bluebird with GC at WM, wonder if Serve can do the same? If so I don't see any reason to keep Bluebird over Serve (well at least in my case, if all I do is just load with AE or GC to make initial spend?)
Appreciate any comment and tip, thanks and have a wonderful day
Appreciate any comment and tip, thanks and have a wonderful day
Jun 18, 2015, 6:58 pm
#1597
Join Date: Jul 2014
Posts: 3,688
Thanks everyone for your response. I just looked at the back of my Serve card and it just had a Serve symbol and a Prepaid card symbol so I don't think it's a Softcard. I got this around two years ago which may also mean that this is not a Softcard. Should have gotten it when it's available now the Serve card isn't as versatile as the Softcard. Oh well...
Thanks again for all tips and help.
Another question I have that related to Serve but also about Bluebird. My wife has a Bluebird and I was thinking whether to switch it over to Serve. Serve gives me the ability to load fund with AE but Bluebird doesn't. However, I can load Bluebird with GC at WM, wonder if Serve can do the same? If so I don't see any reason to keep Bluebird over Serve (well at least in my case, if all I do is just load with AE or GC to make initial spend?)
Appreciate any comment and tip, thanks and have a wonderful day
Thanks again for all tips and help.
Another question I have that related to Serve but also about Bluebird. My wife has a Bluebird and I was thinking whether to switch it over to Serve. Serve gives me the ability to load fund with AE but Bluebird doesn't. However, I can load Bluebird with GC at WM, wonder if Serve can do the same? If so I don't see any reason to keep Bluebird over Serve (well at least in my case, if all I do is just load with AE or GC to make initial spend?)
Appreciate any comment and tip, thanks and have a wonderful day
Jun 18, 2015, 8:11 pm
#1598
Join Date: May 2015
Posts: 38
Trying to jump back into this after a couple of years on the sidelines. Recently converted my old BB back to a Serve after seeing the FD option (I'm now back in NYC and unwilling to trek to wherever the closest WM is), but upon researching it, it seems like more trouble than it's worth. Has any explanation for the policy of a total $500 limit daily limit for the entire store (including all customers) been posited? It just seems baffling to even offer the feature of debit card loads with such a bizarre restriction.
I bought a $500 VGC on spec, but I don't think I'm going to bother schlepping to the nearest FD in Crown Heights given the headache stories I have seen here.
I bought a $500 VGC on spec, but I don't think I'm going to bother schlepping to the nearest FD in Crown Heights given the headache stories I have seen here.
Jun 20, 2015, 12:41 am
#1599
Join Date: Apr 2009
Posts: 679
So I just got a new Blue Cash Everyday card that I need to spend $1k on. Much to my surprise, I was able to add it to Serve without any verification required. I'd had problems with that when I first started using the card and unloaded a few rebate debit cards with it before they caught on and locked me. As I recall, I then had to stay on the phone with them while they verified my checking account and debit card, as well as my FIA Fidelity AMEX. Pleasantly surprised that I did not have to go thru that again. Scheduled 5 daily $200 loads so I can get the minimum spend done with quickly.
Jun 20, 2015, 12:58 am
#1600
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,929
Do you have an insurance payment of some kind you can make, cell phone, cable/satellite, internet, etc. to add in? It's only $1k
Jun 20, 2015, 7:18 am
#1601
Join Date: Apr 2012
Programs: 25 million points to burn!
Posts: 1,522
Hmmm. Trying to add a Chase credit card to my pay bills account. Says they can't do it. Have added dozens of them in the past, no problem. Systems down, or is this something we should be concerned about going forward?
Jun 20, 2015, 9:00 am
#1602
Join Date: Apr 2009
Posts: 679
Were you responding to my post? Sure I could pay my cable/phone and car insurance, but I'm getting 2% back on those with my Fidelity AMEX card. If I can meet the $1k spending by putting it on my Serve card and then pulling it out, why wouldn't I? Isn't that the whole idea of this board?
Jun 20, 2015, 11:19 am
#1603
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Thanks for the responses to my question. After reading a few recent posts, I also have a question on Citi cards. To confirm, only the soft Serve account can load funds with Visa, the physical card account can only load with AE?
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
For the above question on loading with Citi cards, is it related to soft Serve account since most Citi cards are Visa?
Also is there anyway to clarify whether my Serve account is soft or not? I have a card but I signed up through online so not sure that it's counted as Serve and I have a card just because I requested for one?
Thanks for all the tips and help. Have a great one
As others already pointed out, Softcard can only be signed up via your cell phone. That option has long gone as the provider Softcard has ceased to exist as an entity, bought out by Google in Feb this year.
Jun 20, 2015, 11:27 am
#1604
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
So I just got a new Blue Cash Everyday card that I need to spend $1k on. Much to my surprise, I was able to add it to Serve without any verification required. I'd had problems with that when I first started using the card and unloaded a few rebate debit cards with it before they caught on and locked me. As I recall, I then had to stay on the phone with them while they verified my checking account and debit card, as well as my FIA Fidelity AMEX. Pleasantly surprised that I did not have to go thru that again. Scheduled 5 daily $200 loads so I can get the minimum spend done with quickly.
FIA AMEX is not issued by AMEX, just used the AMEX network (as a result of class lawsuit against AMEX several years to open up its network to other banks which choose to issue AMEX Logo cards but those are Not AMEX AMEX cards). The system would not know your personal data because the card is not from AMEX but BofA.
Good way to meet spend though does not earn spend points from what I understand. The better way, for me anyway, is to use the Everyday on bonus categories to earn the 2x, split up your grocery purchases into multiple transactions to meet the 20 transactions a month, within 2 months you would / should meet the $1000 spend, PLUS 2.2% on that $1K while leaving your verified FIA AMEX to continue its $1K at 2% loading Serve.
You now essentially lose the 2.2% on Everyday, AND the 2% on FIA just to get the bonus one or two months earlier. (unless you have the need to speed up the MR pts earning).
Jun 20, 2015, 11:52 am
#1605
Join Date: Apr 2009
Posts: 679
Good way to meet spend though does not earn spend points from what I understand. The better way, for me anyway, is to use the Everyday on bonus categories to earn the 2x, split up your grocery purchases into multiple transactions to meet the 20 transactions a month, within 2 months you would / should meet the $1000 spend, PLUS 2.2% on that $1K while leaving your verified FIA AMEX to continue its $1K at 2% loading Serve.
You now essentially lose the 2.2% on Everyday, AND the 2% on FIA just to get the bonus one or two months earlier. (unless you have the need to speed up the MR pts earning).
You now essentially lose the 2.2% on Everyday, AND the 2% on FIA just to get the bonus one or two months earlier. (unless you have the need to speed up the MR pts earning).
Good point on AMEX being able to verify the info from the BCE card, while it couldn't with the FIA card.