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  American Express Bluebird

American Express Bluebird

in Prepaid Cards from American Express National Bank

Claimed

American Express Bluebird

Claimed

in Prepaid Cards from American Express National Bank

SuperMoney Net Recommendation Score -66

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -66, equating to 1.7 on a 5 point rating scale.

-66

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

20 users recommend
4 users are unsure
104 users don't recommend
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Highlights
Community Rating Strongly not recommended
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0
Monthly Fee $0
Card Reload Fee $0 - $3.95
Number of Reviews 128

American Express Bluebird Review

The American Express Bluebird is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Prepaid cards only allow you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

American Express Bluebird does not require a credit check, so approval is guaranteed. However, it will not help you build credit and some online merchants don't accept prepaid cards.

American Express Bluebird Pros & Cons
The Good The Bad
  • Free in-network ATM withdrawal
  • A monthly fee of up to $0, which is lower than average for prepaid cards
  • There is no fee for loading your card
  • No monthly or purchase transaction fees.
  • Roadside Assistance Hotline included
  • Global Assist Hotline included
  • Cash withdrawal fees can add up quickly.
  • American Express is not accepted as widely as Visa and Mastercard.
American Express Bluebird FAQ

Who issues American Express Bluebird?

American Express Bluebird is issued by American Express National Bank, which is based in New York, NY and was founded in 1850.

What fees does American Express Bluebird charge?

American Express Bluebird does not charge a monthly service fee.

American Express Bluebird Prepaid Card Fees
Description
ATM Balance Inquiry $2.50
Activation Fee $0
Card Replacement Fee $0
Close Account Fee $0
Free In-Network ATM Withdrawal?
No PIN Purchase Transaction Fee?
No Signature Purchase Transaction Fee?
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0

How Much Does American Express Bluebird Cost?

There is no activation fee.

A great thing about this card is it doesn't charge a monthly maintenance fee, which can save you a lot of money over time.

There is a reload fee of up to $3.95 fee every time you reload the card.

Does American Express Bluebird charge an activation fee?

American Express Bluebird does not charge an activation fee.

What is the daily ATM withdrawal for American Express Bluebird?

American Express Bluebird has a daily ATM withdrawal limit of $750.

What is daily direct deposit limit for American Express Bluebird?

American Express Bluebird sets a daily direct deposit limit of $2,500.

What is the Card Replacement Fee for American Express Bluebird?

American Express Bluebird does not charge a card replacement fee.

What is the Maximum Balance for American Express Bluebird?

The maximum balance you can have on American Express Bluebird is $100,000. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account.

How to apply for American Express Bluebird

  • Visit the American Express National Bank website.
  • Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.
  • Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Express Bluebird

We want to help you take control of your finances. More time to do the things that matter, that’s what you can get from Bluebird. Our Accounts come with lots of free features to manage your money every day, plus a convenient way for you to set something aside for a rainy day.

Bluebird American Express is a reloadable prepaid card that lets you easily manage your money. Add cash for free at Walmart, shop online, pay bills and more.

Message From Our Editor

What we love about American Express Bluebird

Through Bluebird, American Express offers a prepaid debit card that skips a lot of the fees that other prepaid cards usually charge. If you have trouble qualifying for a checking account, Bluebird can serve as a substitute.

What could American Express Bluebird do better?

American Express Bluebird isn’t perfect. It still charges a fee for some services that you could get for free at a bank. For example, you have to pay a fee to set up your account if you want to get the card in-person. You also have to pay to make cash deposits to your account though direct deposit and online transfers are free.

American Express also doesn’t offer any fee rebates for using an out-of-network ATM and will charge you a fee if you use another bank’s ATM. Essentially, any cash-based interactions with the card will come at a cost.

American Express also isn’t accepted as widely as Visa and Mastercard, so you may find yourself unable to use the card at certain stores.

American Express Bluebird‘s backstory

American Express, founded in 1850, is one of the four largest card issuers in the United States. The company is likely best-known for its charge cards before branching out to offer credit cards and the Bluebird prepaid debit card. The company launched Bluebird, in partnership with Walmart, in 2012.

American Express has a reputation for strong customer service and offering perks to the people who use its cards. This is true even for the Bluebird card as customers can access 24/7 customer support and take advantage of cardmember services like roadside assistance.

The Verdict

If you’re struggling to open a checking account, American Express Bluebird can be a reasonable substitute. If you set up direct deposit and don’t use cash much, the account will be mostly fee-free. However, cash transactions such as adding funds or making ATM withdrawals can get expensive.

 

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all prepaid cards offered by American Express National Bank

Feature Breakdown

Free Customer Service
Daily ATM Withdrawal Limit $750
ATM Fee: In-Network $0
Additional Card Fee Amount $0
Foreign Currency Transaction Fee 0%
Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Credit Score Range 300 - 850
Rewards Type No Rewards
Activation Fee $0
Free In-Network ATM Withdrawal
No PIN Purchase Transaction Fee
No Signature Purchase Transaction Fee
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0

American Express Bluebird Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -66, equating to 1.7 on a 5 point rating scale.

-66

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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American Express National Bank Prepaid Cards

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