American Express Bluebird Card
Advertiser Disclosure
Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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 Card
Highlights & Features
Balance Transfers
A balance transfer is a way to move credit card debt from one credit 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
| Penalty APR | N/A |
| 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 credit 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 Card
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.
