Baby doll

With the Amex Serve card, you'll earn 1 percent cash back on purchases, but pay a $5.95 monthly fee (unless you live in New York, Texas or Vermont). And for Wallet Card users, Amex will give you $20 after your third direct deposit of $500 or more. There are no fees with the Simple Visa card, and Wallet Card owners will get $20 just for opening a Simple account.