what is PASS from american ExpressSM?
PASS is a prepaid reloadable Card parents give to teens. It’s safer than cash, and unlike a debit or credit card, teens can only spend what’s preloaded on the Card.
how pass works for parents
you load it
Add money online with a bank account for initial load.
teens use it
They use it at millions of locations around the world: in stores, online, at ATMs1 American Express does not charge an ATM fee for the first withdrawal in each calendar month. American Express charges $2.00 per ATM withdrawal thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries. and more.
both track it
Log in to your online account to check the Card balance, view transactions and set up alerts.
- a safer way for them to spend Lost or stolen? No problem.
Don't worry, if PASS is lost or stolen you won’t be responsible for fraudulent charges, and American Express will replace the funds.No overspending. No worries.
PASS is prepaid, so teens can only spend what's preloaded on the Card. There is no risk of overdraft fees for your teen and PASS can't impact your teen's credit.
- the right amount of freedom Choose when to add funds
Set up automatic reloads online, so instead of asking for money, teens will know when their allowance is coming. It's easy to reload PASS anytime, online or by phone.Track activity easily
View balance and purchase history online anytime from anywhere, or set up alerts. Teens can also view balances online, or track their funds via text messages2Carrier charges may apply for receiving text messages and mobile web browsing..
- YOUR PASS TO ADDED PEACE OF MIND If something breaks
If an eligible item purchased with PASS accidentally breaks, or is stolen, Purchase Protection3Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/purchase. can reimburse your teen—up to 90 days from the date of purchase.If a car won’t start
PASS also includes Roadside Assistance4Roadside Assistance is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation at pre-negotiated rates. Cardmember will be charged for any services or goods provided, other than the dispatch hotline. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Cardmember has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Cardmember is present with the vehicle. Rental vehicles are excluded. Subject to additional terms, conditions and exclusions. Call 1-877-458-7304 for full terms and conditions or go to americanexpress.com/roadside., so your teen won’t get stranded. Just call us and we’ll send help.Global Assist® Services
Your teen is backed by
Global Assist5 American Express reserves the right to contact or require the consent of the PASS Card purchaser prior to providing certain Global Assist benefits. While the Global Assist coordination and assistance services are benefits available at no additional charge, Cardmembers are responsible for the costs charged by medical and legal providers, transportation charges and any other fees charged by service providers.. Rely on us 24/7 for emergency assistance while traveling. We can direct the Cardmember to English-speaking medical and legal professionals, help with lost passports, and much more.If you have questions
You and your teen can call us 24/7 at 1-877-405-7277. American Express Customer Service will be available anytime, day or night.
- EASY WAYS TO RELOAD Direct Deposit
Save time adding money to your teen’s Card by using Direct Deposit to transfer part of your paycheck automatically. It’s simple and secure. Get started by logging into your account.Load Cash with MoneyPak®
Just purchase a MoneyPak® at a local retailer for up to $500—they’re available at over 50,000 locations—and then you can add the funds online or by phone. A MoneyPak® service fee of up to $4.95 will be charged.
Simply enter your account information online to reload whenever you choose, but note, for your protection, it will take 3-5 business days to verify and load the funds.Load Cash with the Vanilla Reload Network TM
Simply find a participating retailer in the Vanilla Reload Network and purchase a Vanilla Prepaid Network Card with cash for up to $500, plus a purchase fee of $3.95.American Express Card
Add funds quickly anytime you choose, or set up automatic reloads to make it even easier.
For more information on how to load the PASS Card, please view our FAQs.
- what it costs Enjoy a lot for a little
Get the safety, convenience and control of PASS, plus Purchase Protection, Roadside Assistance and more.ATM Fee (If enabled)One American Express fee-free ATM withdrawal per month Thereafter, $2.00 per withdrawal American Express will charge $2.00 per ATM withdrawal, which is
assessed against the Card balance. Please note: ATM owners/operators
may charge their own fees for ATM transactions and balance inquiries.