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Update: You can no longer purchase Vanilla Reload cards using a credit card and Vanilla Reloads are no longer available in Office Depot.
Since its introduction last year, the Amex Bluebird card – a reloadable card that is hybrid credit card-debit card-checking account – has been one of the most powerful tools in every points collector’s aresenal thanks to the ability to purchase Vanilla Reloads using points-earning credit cards and load the amount from the Vanilla Reload directly onto the Bluebird card then use those funds to pay bills and expenses that you can’t usually use credit cards for such as mortgage and car payments.
However, there are a few limits to the Bluebird’s usefulness including being able to spend just $10,000 a month using its Bill Pay feature (only $5,000 to unregistered payees), only $2,500 per transaction and per month with its Send Money feature, and the fact that you’re limited to loading $5,000 per month onto the card using Vanilla Reloads.
However, a couple months ago, Bluebird added a couple new features that increase its usefulness including the ability for account holders to get actual physical check books.
These checks come in books of 50 ($19.94 + $5.94 shipping) or 100 ($26.94 + $6.94 shipping) usually. But until the end of the day today, May 21, 2013, you can actually get one free book (of either 50 or 100 checks – so just go for the 100 book) and only pay shipping.
You order these books by logging into your account, clicking on the “My Account” tab and then selecting “Order Checks.”
With Bluebird, you are limited to spending $100,000 per year including via these new checks and your total account balance is limited to $100,000 (when first launched it only used to be $10,000), although keep in mind that funds added by methods other than check by mail and direct deposit are still capped at $10,000 of your balance.
There is a little bit of a process to writing a check from Bluebird which includes pre-authorizing the amount online in your account and getting an authorization code which you need to write onto the check itself. When you spend $2,000 or more that authorization can take about 2 business days, so you need to plan ahead in some cases.
Still these checks are useful tools for most of us since instead of using the card’s Bill Pay function, you can now also just write the check yourself for whatever bill you are paying. Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.
Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.