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American Express® Bluebird

AMEX Bluebird
Issuer: American Express    Credit: No Credit Check
  • No monthly fees, activation fees, or transaction fees.
  • Free cash loading at Walmart.
  • Free Money Pass ATM with direct deposit.
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Card Details
  • This is one of the best prepaid cards. The only possible weakness is it issued by American Express which means it is only accepted by merchants that accept American Express. Not all merchants accept America Express so make sure that works for you.
  • The strongest feature of this card is free cash loads at Walmart. One of the largest remaining expenses on prepaid cards are the fees charged by 3rd parties to get cash onto your card so this feature is a game changer.
  • In addition you can deposit checks using the Bluebird mobile app by taking a picture of your check with your cell phone for free. This feature is really convenient and can save time and money.
  • Another great feature of this card is if you do direct deposit you get 100% free ATM withdrawals at 20,000+ MoneyPass ATM's, i.e. no fees from Bluebird or ATM owner charges.
  • Additional features are free online bill pay and free customer service calls.
  • Your cash is not FDIC insured which means you may lose your money if American Express goes under. This seems like a relatively low risk.
Card Fees
Activation Fee $0.00
Monthly Fee $0.00 w/ direct dep
$0.00 no direct dep
Call Center Free
LOAD FEES
 - Cash Reload Fee*** $0.00 /day
 - Direct Deposit Free (same as others)
***None of the cards we carry charge load fees but to get cash onto your card 3rd party networks may charge you fees. Some cards own networks, have bank branch access, or retail store access and reduce the fee's charged. We include the different variations of all these fees based on your usage.
ATM**
 - Balance Inquiry $0.00 /inquiry
 - Out of Network $2.00 /withdrawal
 - In Network**** $2.00 /withdrawal
Transaction Fee (signature) $0.00 /transaction
Online Bill Pay Free
Online Acct Access Free
**Out of Network ATM owners charge an average fee of $2.50 fees in addition to the fees above. Cards with In Network ATM access waive this owner's charge (but may charge a card fee). We include the different variations of all these fees based on your usage.
****In Network withdrawals are $0 w/ direct deposit and $2 w/o