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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.

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 info@thepointsguy.com.

Chase Sapphire Preferred Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.