Bluebird card is an innovative new card issued by American Express (NYSE:AXP) which is neither a credit card nor a debit card. Bluebird is a reloadable card which allows you to write checks, withdraw cash from ATMS, pay bills, manage sub-accounts and more. Personally, I find this card very accessible as there are no credit checks in order to obtain the card, so it’s very easy to apply for! Bluebird offers lots of features and cuts down on spending with no monthly fees, no overdraft fees, and no minimum balance requirement. This card is ideal for families as it offers the possibility of having sub-accounts to manage your family spending.
Bluebird is also a paperless platform and service, it delivers its notices and information electronically which is a very convenient and modern approach. In this review, I will explain the Bluebird card’s features and benefits so that you can decide if this is the right card for you.
Things we like about this card
No hidden fees. One of the things I really like about the Bluebird card is its fee transparency and user-friendliness. All fees are kept to the bare minimum and unlike most cards there are no minimum balance requirements. With Bluebird, there are no annual or monthly fees, no overdraft fees, no inactivity fees, no card replacement fees, and as a super plus, there are no foreign exchange fees either!
Below is the complete Bluebird fee chart:
Add funds with direct deposit, transfers, at Walmart, or with the bluebird mobile app. Use direct deposit to add government payments or your monthly pay check. You can also transfer money from your savings or checking account and add cash at almost every Walmart at the checkout register. Another innovative feature that Bluebird offers is the possibility of adding checks with the Bluebird mobile app on your iPhone or Android device.
Pay your bills online. Paying bills is easy with Bluebird since you can pay any bill online at no fee. Note that if you stop payment, then stop payment fees may apply. Online payments help you save time and money by avoiding trips to the post office, envelopes, stamps and unnecessary hassle. You can make your payments at Bluebird.com or on your smartphone with the Bluebird mobile app – convenient for busy people on the go!
Access to ATMs. You can use your Bluebird card at any ATM that accepts American Express Cards, including the over 22,000 MoneyPass ATMs. If you are enrolled in Direct Deposit and have received a Direct Deposit less than 30 days before, you may withdraw at MoneyPass ATMs at no fee. As a Bluebird member, you never have to pay surcharge fees at MoneyPass ATMs, which include Money Center Express machines at Walmart. Keep in mind that you will have to pay a $2 fee unless you have Direct Deposit.
24/7 Account Management. You can manage your account any time with the Bluebird mobile app or at Bluebird.com. With the Bluebird mobile app you can pay your bills from your smart phone while on the go. You can also send and receive money and transfer money from your bank account. You can check your balance and transaction history, and even request it to be sent as texts to your cell phone. And, as mentioned above, you can also add checks with the Bluebird mobile app.
Create and manage up to four sub-accounts. In my opinion, this is one of the most interesting features this card has to offer and makes it an ideal card for families. You can add sub-accounts for people over 13 years of age. Each account holder gets a personal card with their name on it. You can add up to four separate sub-accounts which you can manage and fund online. You can control the daily spending limits and you can turn ATM access on or off and receive e-mail alerts. Sub-accounts are a great way to manage family spending and to send money quickly if needed.
You are protected from overdraft. You can pre-authorise checks before you write them with the Bluebird mobile app or online. The funds are immediately deducted from your account so you know the check will be covered when cashed. You do not have to pay any stop payment or overdraft fees. You can order your checks online from your account and they will take around 10 business days to arrive.
Purchase protection. If you made an eligible purchase with Bluebird that got damaged or stolen within 90 days of purchase, you can be covered.
Fraud protection. With your Bluebird personalized card, you are 100% protected against fraudulent purchases if you lose your card or if it gets stolen.
Roadside assistance. Another perk is roadside assistance when traveling within the US, Canada and Puerto Rico. Note that you will be responsible for any costs charged by third party service providers. Roadside assistance can help you jumpstart your vehicle, arrange for towing and winching services and change your flat tire when a spare tire is available. You can also have up to 2 gallons of fuel delivered and there is a lockout service if you got locked out and left your key in the car. If you experience car trouble, you just have to call Bluebird and they can send help.
Customer service around-the-clock. With your Bluebird card, you are entitled to to world-class American Express customer service at any time you may need it.
Entertainment access. In many states you can also benefit from special savings in music, sports and theater events, as well as advance tickets.
Global Assist Services. If you are more than 100 miles from your home and you need legal, emergency medical, or travel assistance, Bluebird helps you out with Global Assist Services.
Our Least Favorite Things About This Card
One of the main disadvantages of the Bluebird card is that it offers no cash back, rewards or points; so even though you pay little to no fees, you don’t earn rewards on your spending. If you prefer a card that offers cash back and rewards, check out our best selection of cash back credit cards and rewards credit cards.
The Bluebird card issued by American Express is a good card for those who are looking for a hassle-free alternative to checking and debit cards. It’s a great card for families since it offers you the possibility of having and managing up to 4 sub-accounts for your inner circle. What I like the most about this card is that there are almost no fees, and the fee information is clearly stated and disclosed, unlike some other sneaky cards in the market. You can easily receive electronic payments, manage your accounts online and on the go with the Bluebird phone app. Another advantage is that there are no credit reviews when applying for the card, so it is easy to obtain it regardless of your credit score.
The biggest downside of this card is that you don’t earn any rewards or cash back on your purchases – which in other words, doesn’t let you save money while purchasing. However, since it is not a credit card, this card is solid in its offerings as an alternative to a traditional checking or debit account. Terms and limitations apply.
If you would like a solid cash back credit card to begin earning cash back on your purchases, or a top rewards card to earn points, miles and other great benefits, here is our selection of the best credit cards in the market right now.