Updated. American Express has a product called Serve – a combination of their prepaid credit card and a Paypal-like online payment service. No credit checks, no monthly fees, and one free ATM withdrawal per month (the ATM itself may charge a fee).
The current live promotion is a $25 account credit on any single $25+ load, valid through December 31st, 2012. Basically a free $25 if you’re new, you could just transfer it back into a bank account, use it to buy an Amazon gift card, or just do a split transaction on a larger purchase (put $50 on the Serve card, and the rest on another credit card).
You can load funds from a bank account for free, and Serve is also waiving credit card and debit card load fees until March 15, 2013 but it warns you that your card issuer may still classify it as a cash advance. Last I checked, the limits on credit card loading were $100 per day, up to a cumulative $250 to $500 per month. May be handy for meeting spending requirements on credit card bonuses, especially if you have access to a fee-free ATM. I used this tactic on my Chase Sapphire Preferred card earlier and it worked as a purchase.
Offer expires December 31, 2012 and is not available to existing Serve accountholders or any person that has previously canceled his or her Serve account. To receive the $25 from Serve, you must open a new Serve account (subject to approval) and add $25 or more, which must post to your new Serve account on or before December 31, 2012. In some instances, it may take several days for added funds to post to your account, so please allow sufficient time for that process to occur. Serve will provide a one-time credit to your Serve account of $25 within thirty (30) days of you satisfying the above requirements. Funds loaded via person-to-person send/receive money transactions will not satisfy the account funding requirements. Limit one (1) $25 credit per new Serve account. Subaccounts are not eligible for the credit. Offer subject to change or cancellation at any time and cannot be combined with any other offer(s).
Expired promotion links:
$25 account credit on any single $25+ load
$25 back on $25 purchase
$10 back on $25 purchase
$25 back on $50 purchase
$25 back on $100 purchase