![]() Another great feature of this card (and the Amex Serve card) is that funds can be transferred directly to your bank account for free. ![]() It is the only card in the roundup that not only includes free bill pay, but also provides an option for paper checks that cardholders can write out themselves (Unlike a regular checking account, though, each check must be preauthorized and results in an immediate reduction of available funds). $10K per month spend limit except for checksĪ deeper look at each card American Express BluebirdĪmerican Express advertises Bluebird not as a prepaid card, but as a checking account alternative. Max load via Vanilla Reload (day / month) See “ Bluebird: Are direct deposits necessary for free ATM use? “ * Free MoneyPass ATM use is supposed to be contingent upon setting up direct deposit to Bluebird, but I haven’t found that to be necessary in practice. Monthly plans available to eliminate per transaction fees. $3.95 per month inactivity fee after 90 days Optional $10 per month plan eliminates per use fees. $3 per month if less than $1K was loaded to card previous month $2 for online load from debit card (but free at Walmart) Please help me correct these tables if you have recent experience that contradicts these numbers. In some cases, these online documents have not been modified in years and so may be inaccurate. Note that most of the numbers below were taken from publicly available member agreements and FAQs. The tables below summarize the fees and limits of each prepaid card that can be loaded with a Vanilla Reload card. Acts like gift card, but looks like a debit card.īuy in-store and register with your name and address. None of these can be used to reload other prepaid cards: In addition to the fact that there are two different kinds of Vanilla Reload cards, it is important to understand that there are also multiple kinds of Vanilla cards. For more details see “ Pursuing the Other Vanilla Reload card“. This second type can only be used with true debit card prepaid cards (i.e. With the other type, you must bring the card to the counter in-store and use it in-store to reload your prepaid card. ![]() With the most common type, you can purchase the card at a store, bring it home, and transfer its value to a prepaid card. There are two distinct types of Vanilla Reload cards, but they look virtually identical. ![]() The American Express cards are similar to debit cards in that they can be used at ATMs to withdraw cash, but they cannot be used in any other transaction where a debit card is required. Unlike the American Express cards, the Visa and MasterCard cards can be used as debit cards. Visa/MasterCardĪll of the cards detailed below are branded as American Express, Visa, or MasterCard cards. This post, though, focuses only on prepaid cards that can be loaded with Vanilla Reload cards. There are also MoneyPaks, REloadit cards, PayPal load money cards and probably more (see “ The reload game is on“). Vanilla Reload cards are not the only type of reload cards available. Vanilla Reload cards can be a terrific tool for increasing your credit card rewards: 1) purchase a Vanilla Reload card with a rewards credit card (to earn rewards) then 2) Load the value of the card onto a prepaid card then 3) Use the prepaid card for expenses where credit cards are not usually allowed: bill payments, ATM cash withdrawals, debit payments, etc. ![]()
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