My Permanent Bluebird Card Is Active… and the Points Are Flying!
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
Update: You can no longer purchase Vanilla Reload cards using a credit card and Vanilla Reloads are no longer available in Office Depot.
As I mentioned in my original post about the huge potential of the American Express Bluebird card, you need to wait until you get a permanent card in the mail before you can start loading it with Vanilla reload cards. So, I was very excited to see a nice thick envelope from Amex when I got home this week from an unexpected week-long trip. I immediately activated the card within minutes online and from that point on I was ready to get it loaded with Vanilla reloads.
There’s a $1,000 per day load limit, so I immediately scratched off the PINs of two $500 Vanilla reload cards that I had purchased a week prior at the Office Depot in Doral, Florida (near MIA for anyone who has time to kill on a layover!).
Once I loaded the $500 from each card (which cost me $3.95 in fees) the funds were instantly in my Bluebird account.
To test out the “powers” of Bluebird, I decided to pay back TPG Managing Editor Eric for $10 he lent me when I was in Los Angeles last week (I hate using cash, but needed valet tip money – they should really start carrying Square so I can tip with credit card!). I used the Send Money function and it asked me for an email and amount and once I entered my PIN the funds were sent. Eric instantly received the following email, stating that he’d need to create a free Bluebird account to accept the funds.
“Brian Kelly has sent you the following funds:
Please click here to sign up for a free Bluebird Account. You will then be able to select the Updates link from the My Accounts tab. Locate the Send Money Notification awaiting action and click on the See Details link. Then choose one of the following options:
Accept this amount;
Suggest a new amount; or
Cancel this transaction
If you do not open a Bluebird Account and accept this payment within 7 days of this email, this transaction will be voided and you will not be able to accept this payment thereafter.
If you already have a Bluebird Account and this email address is not associated with it, please log in to your account and go to Account Settings to add this email address so that you can accept these funds into your existing account.
If you want to send money to someone who doesn’t have Bluebird, all you need to do is click “Pay Bills” and then add whoever you’d like as a payee. You’ll need their address and name – but no social security number or EIN – very simple.
If you want to withdraw your Bluebird account at ATMs, you can witdhraw a maximum of $500 a day (3 transactions) and $2,000 per calendar month. The bill-pay/vendor setup is potentially a cheaper/quicker way to take out large amounts since there are no fees. You can use Walmart ATMs for free, but there’s a $2 Amex fee, unless you link a direct deposit to your Bluebird account (no government payroll/payments can be setup as qualifying direct deposits).
So to say that I’m impressed with Bluebird would be the understatement of the century. The real kicker is that I can now pay things like my mortgage company, car payment and condo association with no fee- all bills I used to pay directly from my checking account or by check. The only fee I pay is $3.95 per $500 Vanilla card.
Too Good To Be True?
Now, it’s not as easy as paying $158 for 100,000 points as there are limits. Chase maxes out the office supply (any Office Depot purchase) at $50,000 per calendar year. However, I have both the Ink Plus and Ink Bold (snagging 50,000-point sign-up bonuses for each), so my real maximum is $100,000 in spend, or 500,000 Ultimate Rewards points a year. I can only load $1,000 per day onto my Bluebird, but if I wanted to get access to more daily spending, I could also purchase Amex Prepaid cards (and use them for everyday spend) and they only cost $4.95 per $500 card.
Some people have reported Office Depot’s getting rid of Vanilla cards or being questioned by managers, but I’ve never had an issue at Miami area Office Depots and there have been plenty of Vanilla cards for sale. In fact, just yesterday (November 4), I bought $3,000 in Vanilla Reloads at my Office Depot and no one batted an eyelash.
Will this all come to an end? Probably at some point, so you should get in while the getting is good! Here are the useful links you’ll need:
Ink Plus 60,000-point sign-up after $5,000 spent within 3 months, $95 annual fee
Welcome to The Points Guy!
WELCOME OFFER: 80,000 Points
TPG'S BONUS VALUATION*: $1,650
CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners
*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.