NOTE: American Express is no longer accepting new American Express® Campus Edition Card account registrations. If you are interested in obtaining an American Express reloadable prepaid product, please visit Serve.com to learn more.
What is the American Express® Campus Edition Card?
The American Express Campus Edition Card is a reloadable prepaid Card. Your Card allows you to load funds on it and use it virtually anywhere American Express® Cards are accepted including at ATMs and internationally. When the funds run out, you can load it again and again. You also get benefits such as Roadside Assistance, Global Assist and Purchase Protection. There is online account management that allows you to check your balance and transaction history; just go online and set up an account at americanexpress.com/campusedition.
How do I add money to my American Express Campus Edition Card?
Yes. You can have all or part of your paycheck added to the balance of your Card. Direct Deposit is a convenient way to have funds automatically added to the Card each pay period. Please note, the Direct Deposit cannot exceed the $5,000 per Card maximum balance and monthly load limit. Please see our Card Member Agreement for more details.
( 1 ) Payments by the U.S. Government may not be Direct Deposited to American Express Campus Edition Prepaid Card. This includes wages if you work for the U.S. Government, benefits such as Social Security, SSI, civil service retirement, VA compensation/pension, worker's compensation, Federal tax refunds, etc.
( 2 ) Subject to applicable law, funds on the American Express Campus Edition Prepaid Card are not redeemable for cash other than through permitted ATM access.
( 3 ) To verify that each Direct Deposit has been properly credited, the Purchaser can log into his/her American Express Campus Edition Prepaid Card online and review the transaction history or call Customer Service at 1-866-465-4205 (International 1-801-907-6466).
( 4 ) You can add money to your Card using Direct Deposit until your balance equals $5,000, and the maximum amount you may load to your Card in any month using Direct Deposit is $5,000.
It typically takes 1-2 pay periods for the initial deposit to be added to the balance. After that, you should get your Direct Deposit within one business day of your normal pay date (often earlier) – all without visiting a bank or check cashing location.
To verify that each Direct Deposit has been properly credited, you can log into your online account and review your transaction history or call Customer Service at 1-866-465-4205 (International 1-801-907-6466). Direct Deposit funds should be applied to your account within one business day of your normal pay date (often earlier). You can also set up text and email alerts in your online account to inform you when money is added to your Card. Carrier charges may apply for receiving text messages and mobile web browsing.
To add money to the Card from a U.S. savings or checking account you must first set up your bank account as a funding source in your profile.
Simply follow these steps:
Log into your online account and click on "Edit" to edit your profile.
Enter the name on your bank account, the routing number, the bank account number and select Checking or Savings.
Once you submit the request, within 1-2 days, we will send you an email to start the trial deposit verification process. Verifying your bank account helps protect your financial information and confirms the bank account information you provided is correct.
Once your bank account has been set up in your profile and verified, you may add money to the Card anytime with your checking or savings account online or by calling 1-866-465-4205 (International 1-801-907-6466).
To add money to the Card with a checking or savings account, you must first set up your bank account in your profile and verify the bank account through the trial deposit verification process. Once the bank account is verified, you may add money to the Card anytime with your checking or savings account online or by calling 1-866-465-4205 (International 1-801-907-6466). IMPORTANT: You must verify your e-mail address before you can load funds to the Card.
To add money one time, log into your online account and select the "Add Money" link in the "Manage Your Account" section. You can then enter the amount you want to load and confirm the request before submitting. We will withdraw funds from your bank account and credit them to American Express Campus Edition Prepaid Card. Funds credited to the Card will generally be available within five business days after the withdrawal is requested.
You may also arrange to have funds automatically loaded to the Card from a verified bank account on a predetermined schedule by logging into your online account and clicking on "Add Money" in the "Manage Your Account" section. Auto reloads to the Card will generally be available within five business days after the selected auto reload date.
Anytime a bank account is identified as a funding source, it must go through the trial deposit verification process. Within 1-2 business days after the bank account is added as a funding source, we will send two small trial deposits to the bank account provided. The deposits will show up in your bank account as two separate amounts, each less than $0.99. They will be sent from “American Express Campus Edition Card.”
Once the two trial deposits have been made to your bank account, you will receive an e-mail from us asking to verify the deposits. Following are the steps to verify the trial deposits:
Step 1: After receiving an e-mail confirmation that the deposits are complete, look at your bank statement and make note of the two small amounts from “American Express Campus Edition Card.”
Step 2: After noting the two deposit amounts, click on the link in the e-mail.
Step 3: You will be asked to either log in, or create a new account.
Step 4: After logging in, you will be directed to a page where you will enter the two deposit amounts.
If the correct amounts are entered, the account will be verified and stored for future use. The trial deposit process is only performed once per bank account.
Verifying your bank account helps protect your financial information and confirms the bank account information you provided is correct. We cannot add money from a bank account to the Card until the trial deposit verification process is completed.
The American Express Campus Edition Personalized Card has:
No monthly fees
No annual fee
No Card reload fee
No overdraft fee
American Express provides one fee-free ATM withdrawal per month for the Personalized Card. Thereafter, 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. Temporary Cards cannot be used at ATMs.
You can log in to your American Express Campus Edition Card account at americanexpress.com/campusedition and view your Personal Identification Number (PIN) by clicking on “View ATM PIN” under “Manage Your Account”.
You will need to provide the following information to view your PIN:
4-digit Card security code
Date of Birth
Last four digits of your Social Security Number
ATM access is automatically enabled, but you may choose to turn access “Off” by selecting the option for “Off” on the “Balance & Profile” page.
You may view where the Card was used, by logging into your American Express Campus Edition Card account at americanexpress.com/campusedition and selecting the “Transaction History” link in the “Manage Your Account” section. You can also call Customer Service at 1-866-465-4205 to get your transaction history.
You can check the Card balance at any time on the “Balance & Profile” page in your online account. You can also call Customer Service at 1-866-465-4205 to get your Card balance.
If you are enrolled in text messaging, you may also check the Card balance by texting BAL + the last 4 digits on the Card to 91315 (e.g. “BAL XXXX”). While American Express does not charge for text messages, please check with your wireless communications provider for possible charges related to text messaging.
You may use your Personalized Card at any merchant in the U.S. and abroad that accepts American Express® Cards including in-store locations, online and mail-order. You can also use the American Express Campus Edition Card to withdraw cash from ATMs, if enabled.
Temporary Cards can only be used at merchants that accept American Express Cards in the U.S.
If prompted by a merchant to choose between “Credit” or “Debit”, you should select “Credit”. The American Express Campus Edition Card cannot be used for certain cash services. Certain other limitations apply. The Card may not be used for illegal activities. American Express is not liable for any harm caused by transactions that occur as a result of inaccuracies in merchant classification. Merchant categories are determined by merchants and other parties. See Card Member Agreement for details.
Your Personalized American Express Campus Edition Card can be used at ATMs in the U.S. and abroad, if enabled. We do not charge a transaction fee for the first ATM withdrawal in each calendar month; there is a fee of $2.00 per each ATM withdrawal thereafter (domestic or international), which will be assessed against the Card balance. Please note: ATM owners/operators may also charge their own fees for each withdrawal. If prompted at the ATM to choose between “Checking” or “Savings”, you should select “Checking”. The amount you can withdraw at the ATM depends on the available funds on the Card, but cannot exceed $400 per day.
You may view your Personal Identification Number (PIN) by logging into your online account and clicking “View ATM PIN” under “Manage Your Account”. Additionally, you may call Customer Service at 1-866-465-4205 to request a new PIN or change it to any four-digit code.
There is no ongoing minimum balance requirement for the Card.
When adding money with a bank account, the maximum load is $1,000. When adding money via Direct Deposit, there is no minimum load and the maximum load is $5,000.
You can add money to your Card using a bank account until your balance equals $1,000, or using Direct Deposit until your balance equals $5,000. The maximum amount you may load to the Card in any month is $1,000 (bank account); $5,000 (Direct Deposit).
Most merchants will not require you to show identification when using the American Express Campus Edition Card. However, depending on the store policies, a merchant may request identification before processing a Card transaction.
Available funds on the American Express Campus Edition Card do not expire. However, there is a "valid thru" date printed on the front of the Card needed by merchants to process a transaction. If your Card's "Valid Thru" date has expired or is about to expire, please keep your old Card and call Customer Service at 1-866-465-4205 to request a new card. For more information, please see the Card Member Agreement.
If your American Express Campus Edition Card is damaged, call Customer Service at 1-866-465-4205. American Express will transfer your remaining funds to a new replacement Card and send it to you at no cost.
If the American Express Campus Edition Card is lost or stolen, call Customer Service immediately at 1-866-465-4205. We will transfer your remaining funds to a new Card at no cost. If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please call Customer Service at 1-866-465-4205. You can also view the Card Member Agreement for more details in the section entitled “Errors or Questions about Transactions related to the Card.”
If you funded the American Express Campus Edition Card with a bank account, you will need to contact your bank immediately and open a dispute claim on any unauthorized withdrawals made to load the Card.
If your Temporary Card is lost or stolen, call Customer Service immediately at 1-866-465-4205.
You will not receive a paper statement in the mail. All transactions for your American Express Campus Edition Personalized Card are available online in your Card account. If you would like a written history of account transactions, please call Customer Service at 1-866-465-4205 for a 60-day written history.
If you have an American Express Campus Edition Card, you can dispute transactions that are believed to be fraudulent or unrecognized charges. Call us at 1-866-465-4205 as soon as possible if you think your online transaction history or receipt is wrong, or if you need more information about a particular transaction. You can also view the Card Member Agreement for more details.
If a merchant authorizes a transaction for an amount greater than the American Express Campus Edition Card's actual available balance, the Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Card's actual available balance may be authorized. If this occurs, you may be notified to load more funds onto the Card, or make a direct payment to cover the negative amount, but you will not be charged an overdraft fee.
While this does not happen often, it is important to keep track of your balance and add money as needed. To help track your balance, you can opt to receive e-mail or text alerts to be received when the balance on the Card falls below a specified amount (please check with your phone provider for fees that may be associated with text messages). Please see the Card Member Agreement for more details.
Your car dies or blows a tire and you're stranded. Now what? With Roadside Assistance Hotline you can call us in case of emergency for reliable coordination and assistance service to help get you on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.
1Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member 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 Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-855-431-1156 or see Card Member Agreement.
Shop with added confidence and Purchase Protection2,which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.Please read important exclusions and restrictions.
2Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see Card Member Agreement.
When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.3
3While Global Assist Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see Card Member Agreement.
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.