American Express Credit Cards Review

Updated: Oct 11, 2022

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What is Prepaid Debit American Express Card?

Just because you don’t qualify or would prefer to not deal with the risks of a credit card, doesn’t mean you can’t take advantage of the benefits; you just have to know where to look. This American Express Prepaid Card, for example, gives you most of the same things you will find in a traditional credit card.

American Express is notorious for offering supremely awesome benefits to its customers. Usually, though, if you want to gain access to these benefits, you have to apply and be approved for one of their credit cards. Thankfully, though, you can now enjoy many of their highly-admired benefits without the risk and responsibility of credit with this prepaid card. It is a simple concept that should provide many options for your financial future.

Ease Of Access

One of the biggest benefits of a prepaid American Express is, simply, that you can add money in a variety of ways. You can add money in several different ways and you can spend your money with any retailer that accepts American Express, or you can use the card to get a cash advance. You can add money to your account:

  • Using the online account interface
  • Over the phone
  • Using a transfer option from your bank account
  • Depositing cash directly into your account by purchasing a “MoneyPak” from any of the 50,000 global locations where they are available

Obviously, this gives you a lot of options for adding money to your account. What you will appreciate most about this card, though, is that none of these options will be affected by many of the fees associated with other kinds of accounts:

  • No annual fees
  • No monthly access fee
  • Free customer service
  • No credit checks
  • No overdraft fees
  • One free ATM withdrawal every month (and a $2 fee every withdrawal thereafter)
  • No transaction fees

World-Class Benefits

With an American Express debit card, you will not only enjoy these simple spending benefits but many auxiliary benefits as well. These are the same benefits that full credit card customers enjoy, but you get to use them even without typical credit access. This includes consumer benefits like:

  • 24/7 Customer service via phone, around the world
  • Purchase Protection that can reimburse you for eligible purchases in the event they are lost, damaged or stolen within 90 days of purchase
  • Access to hundreds of exclusive discounts and special offers through American Express Selects
  • Special offers, savings, and promotions (including advanced ticket access) to special entertainment events in music, sports, and theater

In addition to simple consumer benefits, you will also enjoy benefits that you will learn to appreciate the more you travel. This includes:

  • Credit and ATM access to participating locations and outlets all over the world
  • Roadside Assistance is just a phone call away
  • Global Assist Services that will help you in emergency situations when you are more than 100 miles from home (including medical care, legal advice, lost passports, and more)

What are the Additional Benefits?

A prepaid card from American Express also carries with it many, much simpler benefits too. These are not as flashy or attention-grabbing as these other, much larger ones, but they are certainly worth noting and remembering.

  • Online account access where you can add money, setup automatic reloading (like automatic payments), sign up for alerts and view your transaction history
  • Order up to 3 total cards so you can share account access with your spouse, children, friends, family, or partners
  • No risk for missing payments
  • No risk for going over your credit limit
  • The option to upgrade or change your account with access to additional American Express business or mobile benefits

You can rest assured that despite these rather lengthy lists of benefits, there are many more reasons why carrying an American Express debit card is a good idea. Whether you have credit issues or just want to avoid the stress, a prepaid card from American Express gives you immense freedom around the world and all of the perks, with none of the traditionally inherent risks.

The Final Word

There are many great benefits to carrying an American Express Prepaid Card. These include not just simple access to your money when you want it, but many of the best benefits that are traditional – and exclusively – offered to American Express credit card customers.

Available Prepaid Card Alternatives

Non-Affiliate Offer Disclosure
Information about this American Express card has been collected independently by Market Pro Secure. The card issuer, American Express, did not provide the details, nor is it responsible for their accuracy.


Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.