American Express® Bluebird®
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This debit card boasts the “Benefits of banking, without all the fees,” and it lives up to its tagline with potentially no fees at all if you live near a Walmart. You’ll get some benefits and protections such as Amex Offers, Roadside Assistance, Purchase Protection, and Fraud Protection. Take a mobile check capture using your Bluebird Mobile app to access the funds for free in 10 days or in minutes for a fee.
American Express is a Credit Card Insider advertiser.
American Express® Bluebird®
Highlights & Features
Balance Transfers
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | N/A |
Fees
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| Late Fee | N/A |
| Returned Payment Fee | N/A |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | N/A |
Cash Advances
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
Card Benefits
SECURITY
- Zero Liability on Unauthorized Charges
SHOPPING
- Discount Portal
- Purchase Protection
TRAVEL
- No Foreign Transaction Fee
- Roadside Assistance
American Express® Bluebird®
Highlights
- Mobile check capture
- Access your money up to two days faster with direct deposit
- Free withdrawals at MoneyPass ATMs; $2.50 fee at other ATMs
- Free cash loading at Walmart
- $0 monthly/annual fee
- No foreign transaction fees
ABOUT THE ISSUER
American Express
American Express has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe American Express Bluebird debit card offers a nice set of basic benefits from Amex, which typically you’d only find on a credit card. You’ll get Amex Offers, Purchase Protection, Fraud Protection, Roadside Assistance Hotline, and a couple others.
Some debit cards are pretty bad when it comes to excessive fees, but this card does pretty well. You won’t have to pay a:
- Foreign transaction fee
- Monthly/annual fee
- Fee per purchase
- ATM fee for in-network withdrawals (MoneyPass ATMs)
- Customer service fee
- Inactivity fee
- Setup fee when you sign up online
- Standard shipping card replacement
- Direct deposit fee
- Fee to reload from debit cards
But you will have to pay a:
- Fee when getting a Bluebird card at a retail location, up to $5
- Cash reload fee at participating retailers other than Walmart, up to $3.95
- ATM withdrawal fee for out-of-network withdrawals, $2.50
MoneyPass ATMs are practically everywhere now, and there’s a good chance you’ll find a Walmart nearby, so you can see how this card could potentially be completely free to use.
You can also pay a fee to access your money in minutes when you use the Bluebird app to take a mobile capture of your check, or wait 10 days and you can access it for free.
