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Changing the Linked Credit Card with Softcard Serve
A few months ago American Express made a very sad change to their Serve prepaid card. They used to allow loads of up to $1,000 per month to Serve directly from a credit card. While they didn’t eliminate the $1,000 in loads per se, they limited them to Amex cards only, most of which don’t earn rewards on Serve loads.
There was/is of course a different version of Serve that was issued through the now defunct Softcard (ISIS) app. That version was unique because it upped the $1k limit on credit cards loads to $1.5k per month. As I reported back when this change happened, for some reason the Softcard Serve also still allows loads from non-Amex cards.
Can You Change a Linked Card?
The big question for many of us with a “Soft Serve” is what happens if we want to switch our linked credit card. If we remove the current non-Amex card, will the system restrict us from adding a new card? Well, I ran into a situation the other day where I had to switch my card.
I recently cancelled my Arrival Plus card. That card just happened to be the one that was linked to my Soft Serve account. Yesterday I finally got around to taking the old Arrival off of my Serve account. Thankfully I can report that I was successfully able to add a new Mastercard onto it.
The process of removing the card was simple. I just clicked to delete it and then had the option to add a new card. As you can see from the screenshot above, the Visa, Mastercard and Discover logos still show as available to be added so the system. It looks like the normal Serve website looked before the rules changed.
Adding the card was simple and before long I was able to successfully load $500 to my Serve card. It seems based on my experience that American Express has left the Softcard version of Serve on the old software platform and thus the system is setup to accept Visa/MC/Discover cards. Maybe this is an oversight or perhaps they know it is happening and don’t care or contractually can’t change it.
If you currently still have a Softcard version of Serve, I can confirm that it seems safe to switch out one card for another. At the very least I can confirm that I was able to add a new card and successfully complete a load with it. That is really good news and another reason that I am glad that I kept at least one of these magical blue cards around.
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.