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Can Married Couples Have Separate American Express Bluebird Accounts?

by on January 26, 2014 · 9 comments

in American Express, Bluebird, Prepaid/ Reloads, Sunday Reader Questions, Video Blog Post

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TPG reader Eric asked me a question about Amex Bluebird via Facebook:

“Can my wife and I have separate Bluebird accounts and purchase separate Vanilla Reloads?”

I’ve written a lot about the Amex Bluebird, which is a checking/debit account alternative that you can fund with Vanilla Reloads – prepaid cards that you can purchase at a variety of retailers using a points-earning credit card and then load the value of that Vanilla reload into your Bluebird account. Then from there, you can issue checks, pay bills and transfer money, just like you would from a checking account. This is a great way to earn points on transactions that you would otherwise not be able to, such as insurance premium payments, mortgage or rent payments, and more.

So Eric wants to know if he and his wife can have separate Bluebird accounts from which they pay the same kinds of bills – and the answer is yes. In fact, it absolutely makes sense to have two Bluebird accounts because there is a $5,000 monthly limit on the amount of money you can put into your Bluebird account from Vanilla Reloads. So with two Bluebird accounts, you up that limit to $10,000 between the two of you. But why stop there? If you have kids who are old enough to get a Bluebird account, you can get the whole family in on the action and up your points-earning power even more.

Vanilla Reload cards can be used to fund prepaid cards like the Amex Bluebird.

Vanilla Reload cards can be used to fund prepaid cards like the Amex Bluebird.

For more information on Bluebird, check out these posts:

Bluebird From American Express – The Basics
Maximizing American Express Bluebird FAQ’s
Maximizing Prepaid / Reloadable and Reload Cards For Points And Miles – Choosing Which Credit Card To Use
Maximizing Prepaid and Reload Cards For Points and Miles
CVS Raises Daily Vanilla Reload Purchase Limit to $5,000
Maximizing Reload Cards – Vanilla vs. GreenDot vs. ReloadIt
My Permanent Amex Bluebird Card is Active and the Points Are Flying

Let me know if you have any other questions by messaging me on Facebook, Tweeting me or emailing me at [email protected]

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • LarryInNYC

    How old does a child have to be in order to be entitled to a Bluebird account?

  • PhatMiles

    13

  • James

    Thanks alot for everything,

    Quick question for TPG, I have many different credit cards open (10), as well as 3 bluebird cards (brother and sister). Is it bad for me if I only spend at cvs on certain cards. So my billing cycle ONLY has charges from cvs with the vannilla reloads only?

  • Mike

    How about tax implications? If person A purchases vanilla reloads and deposits them into person B’s account. Then person B sends that money to person A via bank transfer in Bluebird?

  • sam

    Me and my wife have seperate bluebird accounts with no problem

  • Jon

    No tax implications. It’s a wash. The IRS doesn’t track this kind of stuff nor do they care.

  • iahphx

    Unless it’s just changed, that’s very wrong. It’s 18.

  • benn

    are there any banks(citi..chase..) that flag your account if you do too much spending thru buying vanilla reloads or is it a totally safe method to reach a spending threshold ? thanks.

  • Rick

    I think you can have a BB sub account at 13, but need to be 18 to open your own.

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