American Express Bluebird: The Best Offer Out There? - NerdWallet
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American Express Bluebird: The Best Offer Out There?

American Express and Walmart announced today the nationwide launch of the Bluebird prepaid debit card, and it is exactly as momentous as they make it out to be. Whereas traditional prepaid debit cards were characterized by a-la-carte pricing that could easily cost more than a checking account’s monthly fees, the Bluebird offers a way to deposit and access cash without bleeding fees.

How does the Bluebird compare to “old guard” offers?

The Bluebird has a much lighter fee structure than even the more affordable traditional cards:

Card Bluebird Green Dot Card Walmart MoneyCard
In-Store Purchase $5 $4.95 $3
Online Purchase $0
Monthly Fee $0 $5.95* $3*
Cash Reload $0 at Walmart $4.95 with MoneyPak $3 at Walmart
ATM Fee $2.00** $0.00 $0.00
Has ATM network?† Yes – MoneyPass Network

* Waived by loading $1,000+ per month (or, for Green Dot, making 30+ transactions per month)
**Waived with direct deposit
†An ATM network allows the cardholder to avoid surcharges of $2 or more, that are often excluded from cost calculations.

The Bluebird is more affordable than even the new, bank-issued prepaid cards, for those with direct deposit:

Card Bluebird U.S. Bank Convenient Cash Chase Liquid BB&T Money-Account
Activation $5 $3 $0 $0
Monthly Fee $0 $3 $4.95 $5*
Customer Service $0 $2** $0 $2.95***

* Lowered to $3 with $1,000+ load/direct deposit
**First 2 calls per month are free
***$2.95 for in-person call, $0.50 for automated call. First in-person and first automated call per month are free.

Note, however, that the Bluebird is not FDIC-insured: if Amex were to go under, you’d lose your funds.

For dynamic comparisons of the Bluebird and 70 more cards, please visit http://www.nerdwallet.com/prepaid.

Why American Express offers the Bluebird

As NetSpend CEO Dan Henry said in an earnings call, most prepaid cardholders are willing to pay high fees:

I spend a lot of time talking to many of my colleagues in the industry, either be it in the prepaid industry or just in dealings with these low to moderate income consumers…we don’t find a lot of price sensitivity to this product…we have tested free many times…It doesn’t drive incremental volume.

– NetSpend 2Q11 earnings call

But the American Express-Walmart partnership has the possibility to generate revenue beyond simply collecting fees:

  • Cash loads are free at Walmart stores, driving traffic and potentially increasing in-store sales.
  • Walmart provides American Express the opportunity to get in front of a new customer base.
  • American Express earns revenue from interchange fees, assessed on a merchant every time a customer uses plastic.

In the same way that the Chase Liquid, U.S. Bank Conventent Cash and BB&T MoneyAccount cards are able to offer lower fees to attract new customers and draw existing customers away from high-cost checking accounts, American Express and Walmart are able to leverage non-traditional revenue structures to offer a more affordable product.

Dan Henry, CEO of NetSpend: “One of our largest retail distributors today, AGB, charges no reload fee at all. And they do that not, of course, out of the goodness of their heart but based on sound empirical evidence that people go into reload in an AGB spend more than other customers in AGB. And we think it’s inevitable that other like merchants will draw a similar conclusion as they learn more about the product category.” – Netspend 2Q2012 earnings call

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  • Ruth Adorno

    Golden Financial Services has reduced credit card debts with American Express down to 20% of what the balance is.

  • Ruth Adorno

    Golden Financial Services has reduced credit card debts with American Express down to 20% of what the balance is.

  • Ruth Adorno

    Golden Financial Services has reduced credit card debts with American Express down to 20% of what the balance is.

  • The Kid

    Check the FAQ’s…they hold money 5 days…back to the future of the old style banking where banks (WM) gets rich off the float :-(

  • The Kid

    Check the FAQ’s…they hold money 5 days…back to the future of the old style banking where banks (WM) gets rich off the float :-(

  • The Kid

    Check the FAQ’s…they hold money 5 days…back to the future of the old style banking where banks (WM) gets rich off the float :-(

  • The Kid

    …and no FDIC!!! Just how stupid do I look??? Oh, that’s right…this is Walmart…what was I thinking?!? :-/

    • http://twitter.com/Themyscira David Matthew

      Why would the have FDIC???? It’s not a bank or a bank card… Christ people are stupid.

  • The Kid

    …and no FDIC!!! Just how stupid do I look??? Oh, that’s right…this is Walmart…what was I thinking?!? :-/

  • The Kid

    …and no FDIC!!! Just how stupid do I look??? Oh, that’s right…this is Walmart…what was I thinking?!? :-/

    • Themyscira

      Why would the have FDIC???? It’s not a bank or a bank card… Christ people are stupid.

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  • Chuck

    DO NOT transfer money from checking account to this card. I have been waiting 6 days for funds that cleared my bank account the next day. If you need to get money to someone, this card is NOT it. You can mail a check faster than you get credit for your own funds with Bluebird. Bluebird is the choice if you have NO other options. And you do not need funds in a hurry.

    • ermahgerd

      That’s what you get for not reading/researching before you buy. All the info is right there on their website.

      • CE

        @disqus_SstCNluNPS:disqus, it’s nearly impossible to find information on the bluebird website. And what’s there is really lacking.

  • Chuck

    DO NOT transfer money from checking account to this card. I have been waiting 6 days for funds that cleared my bank account the next day. If you need to get money to someone, this card is NOT it. You can mail a check faster than you get credit for your own funds with Bluebird. Bluebird is the choice if you have NO other options. And you do not need funds in a hurry.

  • Chuck

    DO NOT transfer money from checking account to this card. I have been waiting 6 days for funds that cleared my bank account the next day. If you need to get money to someone, this card is NOT it. You can mail a check faster than you get credit for your own funds with Bluebird. Bluebird is the choice if you have NO other options. And you do not need funds in a hurry.

    • ermahgerd

      That’s what you get for not reading/researching before you buy. All the info is right there on their website.

      • CE

        @disqus_SstCNluNPS:disqus, it’s nearly impossible to find information on the bluebird website. And what’s there is really lacking.

  • Guest

    Have you tried withdrawing your money in the checking account and putting it on your card at Walmart with the cash?

    • James

      I just transfered everything out into my checking account. I hope it doesnt take a million years for that to happen

  • Guest

    Have you tried withdrawing your money in the checking account and putting it on your card at Walmart with the cash?

  • Guest

    Have you tried withdrawing your money in the checking account and putting it on your card at Walmart with the cash?

    • James

      I just transfered everything out into my checking account. I hope it doesnt take a million years for that to happen

  • Johnny Burgos

    Esta es la peor tarjeta que existe, he tratado de activarla 3 veces, y 3 veces a sido negada, customer service solo me dice que fue negada pero no me dice el porque, me han transferido a varios departamentos, y nadie me da razon alguna, por ultimo revise todo el procedimiento de activacion junto con un manager, (porque para esto ellos trataron de hacerme entender que es mi culpa que puse mal mi informacion) y no encontramos falla alguna, esta persona trato de transferirme nuevamente, y le dije que lo que voy a hacer es ir al walmart vaciar la tarjeta, y despues meterla en el triturador, por eso no la recomiendo, solo es una perdida de tiempo y dinero porque nadie me va a regrezar los $5 que me costo, porque ni eso vale

    • http://www.facebook.com/dunttt Jon Lewis

      yeah maybe try and translate that spanish

  • Johnny Burgos

    Esta es la peor tarjeta que existe, he tratado de activarla 3 veces, y 3 veces a sido negada, customer service solo me dice que fue negada pero no me dice el porque, me han transferido a varios departamentos, y nadie me da razon alguna, por ultimo revise todo el procedimiento de activacion junto con un manager, (porque para esto ellos trataron de hacerme entender que es mi culpa que puse mal mi informacion) y no encontramos falla alguna, esta persona trato de transferirme nuevamente, y le dije que lo que voy a hacer es ir al walmart vaciar la tarjeta, y despues meterla en el triturador, por eso no la recomiendo, solo es una perdida de tiempo y dinero porque nadie me va a regrezar los $5 que me costo, porque ni eso vale

  • Johnny Burgos

    Esta es la peor tarjeta que existe, he tratado de activarla 3 veces, y 3 veces a sido negada, customer service solo me dice que fue negada pero no me dice el porque, me han transferido a varios departamentos, y nadie me da razon alguna, por ultimo revise todo el procedimiento de activacion junto con un manager, (porque para esto ellos trataron de hacerme entender que es mi culpa que puse mal mi informacion) y no encontramos falla alguna, esta persona trato de transferirme nuevamente, y le dije que lo que voy a hacer es ir al walmart vaciar la tarjeta, y despues meterla en el triturador, por eso no la recomiendo, solo es una perdida de tiempo y dinero porque nadie me va a regrezar los $5 que me costo, porque ni eso vale

    • http://www.facebook.com/dunttt Jon Lewis

      yeah maybe try and translate that spanish

  • Randi

    This card is useless. They claim to accept direct deposit, but what they don’t tell you upfront, they will reject federal direct deposits.
    My social security is in limbo will be for days. Social Security Beneficiaries or Federal workers avoid this card. I am so mad there is nothing for me to do. I went back to my other card which was working better. I thought Bluebird would offer better ways to pay bills, etc. They wont even take my money. This is terrible I am so angry. I need my money and it will take days for me to get it back.

  • Randi

    This card is useless. They claim to accept direct deposit, but what they don’t tell you upfront, they will reject federal direct deposits.
    My social security is in limbo will be for days. Social Security Beneficiaries or Federal workers avoid this card. I am so mad there is nothing for me to do. I went back to my other card which was working better. I thought Bluebird would offer better ways to pay bills, etc. They wont even take my money. This is terrible I am so angry. I need my money and it will take days for me to get it back.

  • Randi

    This card is useless. They claim to accept direct deposit, but what they don’t tell you upfront, they will reject federal direct deposits.
    My social security is in limbo will be for days. Social Security Beneficiaries or Federal workers avoid this card. I am so mad there is nothing for me to do. I went back to my other card which was working better. I thought Bluebird would offer better ways to pay bills, etc. They wont even take my money. This is terrible I am so angry. I need my money and it will take days for me to get it back.

  • http://www.facebook.com/gene.holmes.902 Gene Holmes

    when i first received my blue bird card i was pleased with it, then i opened it and started to use it. several things started to show up as problems. first, if you have a sub account card, they CAN NOT load money on their card, it has to come from your card. i have two teen age kids and was giving them their card for christmas with money on it so they can reuse it and put money on it as they want to, but this is not possible. second, even if you link a bank account to the card (going through a verifying process) your money will still be locked up for 3-5 days. third, i used the check deposit they have for the app and 8 days later my money is still locked up. that is 437.59 that is locked up in limbo for over 5 days. as with other accounts such as paypal, if you verify your bank account to your card you should be able to transfer your money in less then 3-5 days. your pay check SHOULD NOT be locked up for 8 days…..because it does not count on sat, sun, or any holidays. the purpose of having a electronic device, cards, accounts is so that you do not have to deal with live people. in this day and age everything is electronic. why are we still working on the time frame of the 1800 bankers. when i can ever get my money on the cards, i will be closing the accounts and reporting the card to the better business bureau. forth, apon calling customer service, i was “disconnected” three different times when asked why it takes so long when on the page it says 3-5 days, not 8….i then got the click, this is so unprofessional and the worst thing i have ever seen. fifth, why do they say in the recording, “your hold time is longer then expected because of the high demand and everybody wanting the blue bird card”, really, if everyone was good with the card, the wait time would not be 15-20 minutes (no lie, last time i called….22 minutes). this is the worst thing i have ever seen.

  • http://www.facebook.com/gene.holmes.902 Gene Holmes

    when i first received my blue bird card i was pleased with it, then i opened it and started to use it. several things started to show up as problems. first, if you have a sub account card, they CAN NOT load money on their card, it has to come from your card. i have two teen age kids and was giving them their card for christmas with money on it so they can reuse it and put money on it as they want to, but this is not possible. second, even if you link a bank account to the card (going through a verifying process) your money will still be locked up for 3-5 days. third, i used the check deposit they have for the app and 8 days later my money is still locked up. that is 437.59 that is locked up in limbo for over 5 days. as with other accounts such as paypal, if you verify your bank account to your card you should be able to transfer your money in less then 3-5 days. your pay check SHOULD NOT be locked up for 8 days…..because it does not count on sat, sun, or any holidays. the purpose of having a electronic device, cards, accounts is so that you do not have to deal with live people. in this day and age everything is electronic. why are we still working on the time frame of the 1800 bankers. when i can ever get my money on the cards, i will be closing the accounts and reporting the card to the better business bureau. forth, apon calling customer service, i was “disconnected” three different times when asked why it takes so long when on the page it says 3-5 days, not 8….i then got the click, this is so unprofessional and the worst thing i have ever seen. fifth, why do they say in the recording, “your hold time is longer then expected because of the high demand and everybody wanting the blue bird card”, really, if everyone was good with the card, the wait time would not be 15-20 minutes (no lie, last time i called….22 minutes). this is the worst thing i have ever seen.

  • http://www.facebook.com/gene.holmes.902 Gene Holmes

    when i first received my blue bird card i was pleased with it, then i opened it and started to use it. several things started to show up as problems. first, if you have a sub account card, they CAN NOT load money on their card, it has to come from your card. i have two teen age kids and was giving them their card for christmas with money on it so they can reuse it and put money on it as they want to, but this is not possible. second, even if you link a bank account to the card (going through a verifying process) your money will still be locked up for 3-5 days. third, i used the check deposit they have for the app and 8 days later my money is still locked up. that is 437.59 that is locked up in limbo for over 5 days. as with other accounts such as paypal, if you verify your bank account to your card you should be able to transfer your money in less then 3-5 days. your pay check SHOULD NOT be locked up for 8 days…..because it does not count on sat, sun, or any holidays. the purpose of having a electronic device, cards, accounts is so that you do not have to deal with live people. in this day and age everything is electronic. why are we still working on the time frame of the 1800 bankers. when i can ever get my money on the cards, i will be closing the accounts and reporting the card to the better business bureau. forth, apon calling customer service, i was “disconnected” three different times when asked why it takes so long when on the page it says 3-5 days, not 8….i then got the click, this is so unprofessional and the worst thing i have ever seen. fifth, why do they say in the recording, “your hold time is longer then expected because of the high demand and everybody wanting the blue bird card”, really, if everyone was good with the card, the wait time would not be 15-20 minutes (no lie, last time i called….22 minutes). this is the worst thing i have ever seen.

  • jonny frelich

    worst customer service over the phone ever. at least a 15 min hold time each time you call. rude customer service agents. they try tp pass you off or act disinterested in your questions or problems. cancelling my account immediately there are better options out there with way better customer service

  • jonny frelich

    worst customer service over the phone ever. at least a 15 min hold time each time you call. rude customer service agents. they try tp pass you off or act disinterested in your questions or problems. cancelling my account immediately there are better options out there with way better customer service

  • jonny frelich

    worst customer service over the phone ever. at least a 15 min hold time each time you call. rude customer service agents. they try tp pass you off or act disinterested in your questions or problems. cancelling my account immediately there are better options out there with way better customer service

  • Unhappy

    Be prepared to stay on the phone for inordinate amounts of time as their website is practically useless. My account was locked and when I called on a Sunday I was told their “customer protection” office is not open on the weekend. This was after a 15 minute wait during which I had to endure a repeated announcement that I could log onto the website! How I wish that were true. I called the next day (cannot directly dial the customer protection unit – so I had to wait another 10 minutes only to be put on hold. At this time I cam waiting it has been 25 minutes. I cannot log onto my account and check my activity or balances and I am stuck in limbo on hold. I will be looking for another alternative as soon as I get out of this interminable wait.

  • Unhappy

    Be prepared to stay on the phone for inordinate amounts of time as their website is practically useless. My account was locked and when I called on a Sunday I was told their “customer protection” office is not open on the weekend. This was after a 15 minute wait during which I had to endure a repeated announcement that I could log onto the website! How I wish that were true. I called the next day (cannot directly dial the customer protection unit – so I had to wait another 10 minutes only to be put on hold. At this time I cam waiting it has been 25 minutes. I cannot log onto my account and check my activity or balances and I am stuck in limbo on hold. I will be looking for another alternative as soon as I get out of this interminable wait.

  • Unhappy

    Be prepared to stay on the phone for inordinate amounts of time as their website is practically useless. My account was locked and when I called on a Sunday I was told their “customer protection” office is not open on the weekend. This was after a 15 minute wait during which I had to endure a repeated announcement that I could log onto the website! How I wish that were true. I called the next day (cannot directly dial the customer protection unit – so I had to wait another 10 minutes only to be put on hold. At this time I cam waiting it has been 25 minutes. I cannot log onto my account and check my activity or balances and I am stuck in limbo on hold. I will be looking for another alternative as soon as I get out of this interminable wait.

  • http://www.facebook.com/captgriggs Randy Johnson

    Horrible, Horrible, Horrible, do not get this card. They have not cst support. I have had the card for 3 weeks and have had to call in 4 times. Each time is over an hour. This current time is going on 3 hour hold/transfers. There is no online/email support. All I need to do is transfer a few bucks to someone’s account from time to time. I have two debit cards linked which says it right ways, nope usually takes days. Now the account is frozen for some freaking reason and regular cst service cannot answer any question so you need to speak to the “super secret squirrel” person who keeps you hold forever. As soon as I get the card unlocked I am transferring all of the money out and going back to taking my happy butt back to the store for a manually money gram. I feel very sorry for those of you who seriously consider these clowns for your primary money card. They are not even FDIC backed. I was only doing a couple of hundred at a time, I have read that people are actually having things like tax returns and direct deposit sent there. DO NOT do that, trust me. Go to a freaking bank people, it’s not that bad for that kind of stuff.

  • http://www.facebook.com/captgriggs Randy Johnson

    Horrible, Horrible, Horrible, do not get this card. They have not cst support. I have had the card for 3 weeks and have had to call in 4 times. Each time is over an hour. This current time is going on 3 hour hold/transfers. There is no online/email support. All I need to do is transfer a few bucks to someone’s account from time to time. I have two debit cards linked which says it right ways, nope usually takes days. Now the account is frozen for some freaking reason and regular cst service cannot answer any question so you need to speak to the “super secret squirrel” person who keeps you hold forever. As soon as I get the card unlocked I am transferring all of the money out and going back to taking my happy butt back to the store for a manually money gram. I feel very sorry for those of you who seriously consider these clowns for your primary money card. They are not even FDIC backed. I was only doing a couple of hundred at a time, I have read that people are actually having things like tax returns and direct deposit sent there. DO NOT do that, trust me. Go to a freaking bank people, it’s not that bad for that kind of stuff.

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  • mswana

    everywhere i have tried to go the card gives a declined message tried paying for gas at the pump it wouldnt let me went inside to give them an exact amount but still did not work. Tried using it a store it wouldnt let me. But when someone steals my card number it works perfectly fine for them???..I called customer service was on hold for 20 mins a lady came and ask questions then said she was transferring me to the dispute department i have now been on hold for 42 mins there is no way in the world this many people are calling bluebird at the same time….

    • James

      You’d be surprised. At all the negative reviews I’m reading everyone who has a card is calling and sitting on hold. Last nite i was on hold with the account protection department for 2.5 hours then at 7 they shut down the phones b/c that’s what time i closed and got a “were closed” message.

  • mswana

    everywhere i have tried to go the card gives a declined message tried paying for gas at the pump it wouldnt let me went inside to give them an exact amount but still did not work. Tried using it a store it wouldnt let me. But when someone steals my card number it works perfectly fine for them???..I called customer service was on hold for 20 mins a lady came and ask questions then said she was transferring me to the dispute department i have now been on hold for 42 mins there is no way in the world this many people are calling bluebird at the same time….

  • mswana

    everywhere i have tried to go the card gives a declined message tried paying for gas at the pump it wouldnt let me went inside to give them an exact amount but still did not work. Tried using it a store it wouldnt let me. But when someone steals my card number it works perfectly fine for them???..I called customer service was on hold for 20 mins a lady came and ask questions then said she was transferring me to the dispute department i have now been on hold for 42 mins there is no way in the world this many people are calling bluebird at the same time….

  • mswana

    everywhere i have tried to go the card gives a declined message tried paying for gas at the pump it wouldnt let me went inside to give them an exact amount but still did not work. Tried using it a store it wouldnt let me. But when someone steals my card number it works perfectly fine for them???..I called customer service was on hold for 20 mins a lady came and ask questions then said she was transferring me to the dispute department i have now been on hold for 42 mins there is no way in the world this many people are calling bluebird at the same time….

    • James

      You’d be surprised. At all the negative reviews I’m reading everyone who has a card is calling and sitting on hold. Last nite i was on hold with the account protection department for 2.5 hours then at 7 they shut down the phones b/c that’s what time i closed and got a “were closed” message.

  • pete

    Where do I start! Web site is useless. Customer service does not exist other than a recording that tells you to go to the Website. I waited on customer service

    twice for 45 minutes without talking to a human being. If AMEX and WALMART
    rt were not associated and anyone else did the same scam, it would be called fraud.

  • pete

    Where do I start! Web site is useless. Customer service does not exist other than a recording that tells you to go to the Website. I waited on customer service

    twice for 45 minutes without talking to a human being. If AMEX and WALMART
    rt were not associated and anyone else did the same scam, it would be called fraud.

  • pete

    Where do I start! Web site is useless. Customer service does not exist other than a recording that tells you to go to the Website. I waited on customer service

    twice for 45 minutes without talking to a human being. If AMEX and WALMART
    rt were not associated and anyone else did the same scam, it would be called fraud.

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  • http://www.facebook.com/Flavah0wnz Mario Flavah Rawkz Martinez

    ive been trying to get a hold of the “account specialist” for 3 weeks!!! i am currently on hold for the past hour, no joke!!! OMG at this point im just waiting to get someone on the phone to rip them a new one! worse service ever. my account is locked for unsual activities when all ive done is pay 2 bills!

  • http://www.facebook.com/Flavah0wnz Mario Flavah Rawkz Martinez

    ive been trying to get a hold of the “account specialist” for 3 weeks!!! i am currently on hold for the past hour, no joke!!! OMG at this point im just waiting to get someone on the phone to rip them a new one! worse service ever. my account is locked for unsual activities when all ive done is pay 2 bills!

  • http://www.facebook.com/Flavah0wnz Mario Flavah Rawkz Martinez

    ive been trying to get a hold of the “account specialist” for 3 weeks!!! i am currently on hold for the past hour, no joke!!! OMG at this point im just waiting to get someone on the phone to rip them a new one! worse service ever. my account is locked for unsual activities when all ive done is pay 2 bills!

  • CE

    On paper, this card sounds great — American Express service, no fees, plenty of ATMs. In reality, it’s so-so.
    I’ve used this card at several different merchants, and each time it will only accept payment as a credit card. I can’t use it as a debit card for PIN transactions. I’ve had regular checking accounts and other prepaid cards. With those accounts, my paycheck was available very early Friday morning.
    With Bluebird, it shows up about 10 a.m., and customer service tells me they have until 2 p.m. And there’s no way for them to see a pending transaction.
    If you return something at a store, expect to wait several days for the credit to post.
    Getting through to customer service can be nearly impossible sometimes — especially if the call volume is extremely high. IF I’ve gotten through, the customer service has been decent. There was a $95 hold when I bought $20 in gas. The rep immediately waived the entire hold. As far as Walmart goes, most of the cashiers I dealt with didn’t even know how to load money on the card. (I’m not a fan of Walmart anyway. The only reason I got this card was because of the AMEX name.)
    I’m switching back to my regular bank or another prepaid card.

  • CE

    On paper, this card sounds great — American Express service, no fees, plenty of ATMs. In reality, it’s so-so.
    I’ve used this card at several different merchants, and each time it will only accept payment as a credit card. I can’t use it as a debit card for PIN transactions. I’ve had regular checking accounts and other prepaid cards. With those accounts, my paycheck was available very early Friday morning.
    With Bluebird, it shows up about 10 a.m., and customer service tells me they have until 2 p.m. And there’s no way for them to see a pending transaction.
    If you return something at a store, expect to wait several days for the credit to post.
    Getting through to customer service can be nearly impossible sometimes — especially if the call volume is extremely high. IF I’ve gotten through, the customer service has been decent. There was a $95 hold when I bought $20 in gas. The rep immediately waived the entire hold. As far as Walmart goes, most of the cashiers I dealt with didn’t even know how to load money on the card. (I’m not a fan of Walmart anyway. The only reason I got this card was because of the AMEX name.)
    I’m switching back to my regular bank or another prepaid card.

  • CE

    On paper, this card sounds great — American Express service, no fees, plenty of ATMs. In reality, it’s so-so.
    I’ve used this card at several different merchants, and each time it will only accept payment as a credit card. I can’t use it as a debit card for PIN transactions. I’ve had regular checking accounts and other prepaid cards. With those accounts, my paycheck was available very early Friday morning.
    With Bluebird, it shows up about 10 a.m., and customer service tells me they have until 2 p.m. And there’s no way for them to see a pending transaction.
    If you return something at a store, expect to wait several days for the credit to post.
    Getting through to customer service can be nearly impossible sometimes — especially if the call volume is extremely high. IF I’ve gotten through, the customer service has been decent. There was a $95 hold when I bought $20 in gas. The rep immediately waived the entire hold. As far as Walmart goes, most of the cashiers I dealt with didn’t even know how to load money on the card. (I’m not a fan of Walmart anyway. The only reason I got this card was because of the AMEX name.)
    I’m switching back to my regular bank or another prepaid card.

  • James

    I’ve had nothing but headaches with this card. Beware! Long hold times and the worst customer service imaginable.

  • James

    I’ve had nothing but headaches with this card. Beware! Long hold times and the worst customer service imaginable.

  • James

    I’ve had nothing but headaches with this card. Beware! Long hold times and the worst customer service imaginable.

  • James

    We have to find a way to stop people from signing up for BlueBird. This is unheard of…I have never seen banking done this way. I rather pay overdraft fee’s all day long then go through this and not have any access to my money at all! I’ve been sitting broke for 3 days now b/c of this.

  • James

    We have to find a way to stop people from signing up for BlueBird. This is unheard of…I have never seen banking done this way. I rather pay overdraft fee’s all day long then go through this and not have any access to my money at all! I’ve been sitting broke for 3 days now b/c of this.

  • James

    We have to find a way to stop people from signing up for BlueBird. This is unheard of…I have never seen banking done this way. I rather pay overdraft fee’s all day long then go through this and not have any access to my money at all! I’ve been sitting broke for 3 days now b/c of this.

  • Christine Haskell

    I thought Bluebird was a great thing until I missed the fine print that only allows me to take out $2000 a month in cash…. now I’m stuck with charging everything and no access to cash one week before Christmas. Also, their customer service is slow (takes atleaste 10 minutes to talk to someone) and they rarely solve your issue.

  • Christine Haskell

    I thought Bluebird was a great thing until I missed the fine print that only allows me to take out $2000 a month in cash…. now I’m stuck with charging everything and no access to cash one week before Christmas. Also, their customer service is slow (takes atleaste 10 minutes to talk to someone) and they rarely solve your issue.

  • Christine Haskell

    I thought Bluebird was a great thing until I missed the fine print that only allows me to take out $2000 a month in cash…. now I’m stuck with charging everything and no access to cash one week before Christmas. Also, their customer service is slow (takes atleaste 10 minutes to talk to someone) and they rarely solve your issue.

  • K J

    Yes, all those features are great – except for when you try to use the card to pay for something. Every time someone tries to run the card the transaction gets declined. The reason being given by Bluebird customer service is that the merchant is using an invalid expiration date. THE ONLY DATE THEY CAN USE IS THE ONE PRINTED ON THE CARD!!!! So I was told to use a three digit expiration date – which does not work because anywhere you use a debit/credit card asks for two digits. Wondering why the account would be set up this way, do they deliberately do this? At any rate, I’m taking my money off the card and cancelling this useless account. Waste of time. I’ll gladly pay Greendot fees, at least I know the card will actually work when I use it. FAIL AMEX!!!!!!!!!!!!

  • K J

    Yes, all those features are great – except for when you try to use the card to pay for something. Every time someone tries to run the card the transaction gets declined. The reason being given by Bluebird customer service is that the merchant is using an invalid expiration date. THE ONLY DATE THEY CAN USE IS THE ONE PRINTED ON THE CARD!!!! So I was told to use a three digit expiration date – which does not work because anywhere you use a debit/credit card asks for two digits. Wondering why the account would be set up this way, do they deliberately do this? At any rate, I’m taking my money off the card and cancelling this useless account. Waste of time. I’ll gladly pay Greendot fees, at least I know the card will actually work when I use it. FAIL AMEX!!!!!!!!!!!!

  • K J

    Yes, all those features are great – except for when you try to use the card to pay for something. Every time someone tries to run the card the transaction gets declined. The reason being given by Bluebird customer service is that the merchant is using an invalid expiration date. THE ONLY DATE THEY CAN USE IS THE ONE PRINTED ON THE CARD!!!! So I was told to use a three digit expiration date – which does not work because anywhere you use a debit/credit card asks for two digits. Wondering why the account would be set up this way, do they deliberately do this? At any rate, I’m taking my money off the card and cancelling this useless account. Waste of time. I’ll gladly pay Greendot fees, at least I know the card will actually work when I use it. FAIL AMEX!!!!!!!!!!!!

  • disqus_fsmILnnB4I

    I have found places that do not take the blue bird card. I have yet the recieve my personalized card 2months later. Worsy of all some places will not direct deposit onto blue bird the maun one being the government or Irs. No tax refunds in bluebird

    • Michelle Bazeley

      Many places do not accept Am Ex period. It costs retailers to process your payment, instead of the other way around (where you would pay through your annual fees to the card company). Of course retailers lose money, so some will not accept. You have to look at the door before going in many tiems to see if there’s a sticker with American Express on it… if not, have cash.

  • disqus_fsmILnnB4I

    I have found places that do not take the blue bird card. I have yet the recieve my personalized card 2months later. Worsy of all some places will not direct deposit onto blue bird the maun one being the government or Irs. No tax refunds in bluebird

  • disqus_fsmILnnB4I

    I have found places that do not take the blue bird card. I have yet the recieve my personalized card 2months later. Worsy of all some places will not direct deposit onto blue bird the maun one being the government or Irs. No tax refunds in bluebird

    • Michelle Bazeley

      Many places do not accept Am Ex period. It costs retailers to process your payment, instead of the other way around (where you would pay through your annual fees to the card company). Of course retailers lose money, so some will not accept. You have to look at the door before going in many tiems to see if there’s a sticker with American Express on it… if not, have cash.

  • jgood

    so weird that everyone has so much trouble with their cards and mine has always worked just fine. my direct deposit goes on the same day that i get paid and never a wait for the funds (used same day) and it has never been declined or had any issues during any transaction ever. i’ve used it for online purchases, paying bills, atm withdrawals, gas purchases, etc…anything you could ever use a card for, just fine. i’ve never even had to call customer service.

  • jgood

    so weird that everyone has so much trouble with their cards and mine has always worked just fine. my direct deposit goes on the same day that i get paid and never a wait for the funds (used same day) and it has never been declined or had any issues during any transaction ever. i’ve used it for online purchases, paying bills, atm withdrawals, gas purchases, etc…anything you could ever use a card for, just fine. i’ve never even had to call customer service.

  • jgood

    so weird that everyone has so much trouble with their cards and mine has always worked just fine. my direct deposit goes on the same day that i get paid and never a wait for the funds (used same day) and it has never been declined or had any issues during any transaction ever. i’ve used it for online purchases, paying bills, atm withdrawals, gas purchases, etc…anything you could ever use a card for, just fine. i’ve never even had to call customer service.

  • william

    BLUE BIRD IS FOR THE BIRDS.

    I liked most of the things I have heard mainly from their commercials and info published. I guess I would be the idiot for not checking reviews first. I went to pull 500 out of the a PNC atm, which by the way is the only method of retrieving my funds as they have no bank to visit, have no atm of their own and every other atm would charge a fee. The atm declined to offer me my funds which I had checked one minute prior to ensure were in there. It gave me receipts for each time I tried stating the action selected is not currently available. On my way to work in a rush I checked my account and lone and behold the money was removed from my account. I called them and was greeted by the same foreigner who was only able to dispute the charge and I would have to wait 6-8 months to hear back from them. The funds were to add to my account in which I pay my rent out of. I will now be short and be charged 160 for being late. Judging by the poor manner in which they try and assist their customers I will not get that back. I would only be so lucky just to get the funds replaced to my account if that ever happens. They state direct deposits are posted very quickly, it actually took the longest out of any debit card I have ever had. This just adds to the giant inconvenience.

    -NO BANK TO VISIT
    -MOST ATM’S WILL CHARGE YOU A FEE
    -SLOW DIRECT DEPOSIT
    -CUSTOMER SERVICE WHICH SHOULD BE RENAMED CUSTOMER INCONVENIENCE

    ALL IN ALL PLEASE NEVER USE THIS CARD ITS A WASTE OF TIME.
    AMERICAN EXPRESS SHOULD REALLY LOOK INTO THIS AND ALL THESE MATTERS BEFORE ALLOWING THERE NAME TO BE PRINTED ON THE CARD

  • william

    BLUE BIRD IS FOR THE BIRDS.

    I liked most of the things I have heard mainly from their commercials and info published. I guess I would be the idiot for not checking reviews first. I went to pull 500 out of the a PNC atm, which by the way is the only method of retrieving my funds as they have no bank to visit, have no atm of their own and every other atm would charge a fee. The atm declined to offer me my funds which I had checked one minute prior to ensure were in there. It gave me receipts for each time I tried stating the action selected is not currently available. On my way to work in a rush I checked my account and lone and behold the money was removed from my account. I called them and was greeted by the same foreigner who was only able to dispute the charge and I would have to wait 6-8 months to hear back from them. The funds were to add to my account in which I pay my rent out of. I will now be short and be charged 160 for being late. Judging by the poor manner in which they try and assist their customers I will not get that back. I would only be so lucky just to get the funds replaced to my account if that ever happens. They state direct deposits are posted very quickly, it actually took the longest out of any debit card I have ever had. This just adds to the giant inconvenience.

    -NO BANK TO VISIT
    -MOST ATM’S WILL CHARGE YOU A FEE
    -SLOW DIRECT DEPOSIT
    -CUSTOMER SERVICE WHICH SHOULD BE RENAMED CUSTOMER INCONVENIENCE

    ALL IN ALL PLEASE NEVER USE THIS CARD ITS A WASTE OF TIME.
    AMERICAN EXPRESS SHOULD REALLY LOOK INTO THIS AND ALL THESE MATTERS BEFORE ALLOWING THERE NAME TO BE PRINTED ON THE CARD

  • william

    BLUE BIRD IS FOR THE BIRDS.

    I liked most of the things I have heard mainly from their commercials and info published. I guess I would be the idiot for not checking reviews first. I went to pull 500 out of the a PNC atm, which by the way is the only method of retrieving my funds as they have no bank to visit, have no atm of their own and every other atm would charge a fee. The atm declined to offer me my funds which I had checked one minute prior to ensure were in there. It gave me receipts for each time I tried stating the action selected is not currently available. On my way to work in a rush I checked my account and lone and behold the money was removed from my account. I called them and was greeted by the same foreigner who was only able to dispute the charge and I would have to wait 6-8 months to hear back from them. The funds were to add to my account in which I pay my rent out of. I will now be short and be charged 160 for being late. Judging by the poor manner in which they try and assist their customers I will not get that back. I would only be so lucky just to get the funds replaced to my account if that ever happens. They state direct deposits are posted very quickly, it actually took the longest out of any debit card I have ever had. This just adds to the giant inconvenience.

    -NO BANK TO VISIT
    -MOST ATM’S WILL CHARGE YOU A FEE
    -SLOW DIRECT DEPOSIT
    -CUSTOMER SERVICE WHICH SHOULD BE RENAMED CUSTOMER INCONVENIENCE

    ALL IN ALL PLEASE NEVER USE THIS CARD ITS A WASTE OF TIME.
    AMERICAN EXPRESS SHOULD REALLY LOOK INTO THIS AND ALL THESE MATTERS BEFORE ALLOWING THERE NAME TO BE PRINTED ON THE CARD

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  • Bridget Lee

    Don’t waste your money. GO to Chase. YOU will be so much happier. I promise you will be happier in the end. I am cutting mine up and heading back to CHASE.

  • Bridget Lee

    Don’t waste your money. GO to Chase. YOU will be so much happier. I promise you will be happier in the end. I am cutting mine up and heading back to CHASE.

  • @bridgetc

    Don’t waste your money. GO to Chase. YOU will be so much happier. I promise you will be happier in the end. I am cutting mine up and heading back to CHASE.

  • Guest

    Bluebird uses pre-authorized checks, which means if you pre-authorize, they debit the money from your account and the check is guaranteed, right? Nope. I pre-authorized a check for my student loan, and BB returned it as unpaid!!! So they debited my account, did not honor their own check, and will not put the money back on my account. They keep telling me they have ‘research’ it, and will get back to me, which they never do. Of course, what can you expect from a company that uses AMERICAN as part of their name, but outsources its customer service to India.

    Do NOT risk using Bluebird. It’s a disaster waiting to happen. I’m out my student loan payment, but have learned the hard way to research reviews before getting another card.

  • Guest

    Bluebird uses pre-authorized checks, which means if you pre-authorize, they debit the money from your account and the check is guaranteed, right? Nope. I pre-authorized a check for my student loan, and BB returned it as unpaid!!! So they debited my account, did not honor their own check, and will not put the money back on my account. They keep telling me they have ‘research’ it, and will get back to me, which they never do. Of course, what can you expect from a company that uses AMERICAN as part of their name, but outsources its customer service to India.

    Do NOT risk using Bluebird. It’s a disaster waiting to happen. I’m out my student loan payment, but have learned the hard way to research reviews before getting another card.

  • Guest

    Bluebird uses pre-authorized checks, which means if you pre-authorize, they debit the money from your account and the check is guaranteed, right? Nope. I pre-authorized a check for my student loan, and BB returned it as unpaid!!! So they debited my account, did not honor their own check, and will not put the money back on my account. They keep telling me they have ‘research’ it, and will get back to me, which they never do. Of course, what can you expect from a company that uses AMERICAN as part of their name, but outsources its customer service to India.

    Do NOT risk using Bluebird. It’s a disaster waiting to happen. I’m out my student loan payment, but have learned the hard way to research reviews before getting another card.

  • Lisa Matousek

    DO NOT GET!!! Not only do you have to send a copy of your ID and SS card to the company but you it takes 7 to 10 business days for your account to be activated, you can use the card only for purchases, no ATM withdraws.

    I was also charged for using the Wal Mart ATM although it is listed on the Website as a money pass location.

    Waste of money and time!

    • Michelle Bazeley

      I was not asked to provide any ID whatsoever. I have a portion of my paycheck direct deposited so I have no fees for any transactions. I even haev 3 sub-accounts for my children at college. It’s been a Godsend to be able to send them money in an instant. Not sure why you’re having issues, sorry it didn’t work for you.

    • trish Ypoo

      Neither was I.

  • Lisa Matousek

    DO NOT GET!!! Not only do you have to send a copy of your ID and SS card to the company but you it takes 7 to 10 business days for your account to be activated, you can use the card only for purchases, no ATM withdraws.

    I was also charged for using the Wal Mart ATM although it is listed on the Website as a money pass location.

    Waste of money and time!

  • Lisa Matousek

    DO NOT GET!!! Not only do you have to send a copy of your ID and SS card to the company but you it takes 7 to 10 business days for your account to be activated, you can use the card only for purchases, no ATM withdraws.

    I was also charged for using the Wal Mart ATM although it is listed on the Website as a money pass location.

    Waste of money and time!

    • Michelle Bazeley

      I was not asked to provide any ID whatsoever. I have a portion of my paycheck direct deposited so I have no fees for any transactions. I even haev 3 sub-accounts for my children at college. It’s been a Godsend to be able to send them money in an instant. Not sure why you’re having issues, sorry it didn’t work for you.

    • trish Ypoo

      Neither was I.

  • Tim Myers

    Lisa you are a liar. Just trying to hurt a great service. I have used bluebird for a few years now best debit card account hands down. Nobody asks for id to set up.

  • Tim Myers

    Lisa you are a liar. Just trying to hurt a great service. I have used bluebird for a few years now best debit card account hands down. Nobody asks for id to set up.

  • Tim Myers

    Lisa you are a liar. Just trying to hurt a great service. I have used bluebird for a few years now best debit card account hands down. Nobody asks for id to set up.

  • Carla Martinez

    NO ACTIVATION FEE, NO CHARGE LOADING MONEY AT ANY WAL-MART MONEY CENTER/CASHIER, NO CHARGE TO USE MONEY PASS ATM’S.( NOT ALL WAL-MART ATM’S ARE MONEY PASS ATM’S SO JUST GO TO THEIR WEBSITE AND SEARCH ATM’S)! DONE!!!!!
    Go straight to the BlueBird wedsite to enroll and avoid all these fees and charges people are posting about and if your SS# is valid you DO NOT have to provide copies of your license and such!
    If you want to pay fees and be interrogated and give up your personal info as well as your drivers license info just walk into any bank and open up their checking accounts! Hell, they even charge you monthly fees, overdraft fees, give you a bundle of limitations and its all free!!!

  • Carla Martinez

    NO ACTIVATION FEE, NO CHARGE LOADING MONEY AT ANY WAL-MART MONEY CENTER/CASHIER, NO CHARGE TO USE MONEY PASS ATM’S.( NOT ALL WAL-MART ATM’S ARE MONEY PASS ATM’S SO JUST GO TO THEIR WEBSITE AND SEARCH ATM’S)! DONE!!!!!
    Go straight to the BlueBird wedsite to enroll and avoid all these fees and charges people are posting about and if your SS# is valid you DO NOT have to provide copies of your license and such!
    If you want to pay fees and be interrogated and give up your personal info as well as your drivers license info just walk into any bank and open up their checking accounts! Hell, they even charge you monthly fees, overdraft fees, give you a bundle of limitations and its all free!!!

  • Carla Martinez

    NO ACTIVATION FEE, NO CHARGE LOADING MONEY AT ANY WAL-MART MONEY CENTER/CASHIER, NO CHARGE TO USE MONEY PASS ATM’S.( NOT ALL WAL-MART ATM’S ARE MONEY PASS ATM’S SO JUST GO TO THEIR WEBSITE AND SEARCH ATM’S)! DONE!!!!!
    Go straight to the BlueBird wedsite to enroll and avoid all these fees and charges people are posting about and if your SS# is valid you DO NOT have to provide copies of your license and such!
    If you want to pay fees and be interrogated and give up your personal info as well as your drivers license info just walk into any bank and open up their checking accounts! Hell, they even charge you monthly fees, overdraft fees, give you a bundle of limitations and its all free!!!

  • Carla Martinez

    I discovered Bluebird because I was not able to deposit checks into my Paypal account and as a self employed entrepreneur that was a major problem! Now i just take a picture of the check using my app and done, money clears in 5 days. I am willing to wait for the 5 day clearance in exchange of NO FEES, BANKING IN BED WITH COFFEE!, NO MORE TEENAGE SON ASKING FOR MONEY EVERY 5 MINUTES NOW THAT HE HAS A SUB ACCOUNT AND HAS LEARNED THE VALUE OF THE DOLLAR!!!!(warning, once you hand over a sub account card to a teen that has their name on it and a monthly allowance or whatever your plan would be you WILL HAVE a teenager that SUDDENLY realizes the cost of living. This can cause responsibility and an awareness of planning and consequence if funds are not budgeted sensibly which may become a life long habit known as good money management!)

  • Carla Martinez

    I discovered Bluebird because I was not able to deposit checks into my Paypal account and as a self employed entrepreneur that was a major problem! Now i just take a picture of the check using my app and done, money clears in 5 days. I am willing to wait for the 5 day clearance in exchange of NO FEES, BANKING IN BED WITH COFFEE!, NO MORE TEENAGE SON ASKING FOR MONEY EVERY 5 MINUTES NOW THAT HE HAS A SUB ACCOUNT AND HAS LEARNED THE VALUE OF THE DOLLAR!!!!(warning, once you hand over a sub account card to a teen that has their name on it and a monthly allowance or whatever your plan would be you WILL HAVE a teenager that SUDDENLY realizes the cost of living. This can cause responsibility and an awareness of planning and consequence if funds are not budgeted sensibly which may become a life long habit known as good money management!)

  • Carla Martinez

    I discovered Bluebird because I was not able to deposit checks into my Paypal account and as a self employed entrepreneur that was a major problem! Now i just take a picture of the check using my app and done, money clears in 5 days. I am willing to wait for the 5 day clearance in exchange of NO FEES, BANKING IN BED WITH COFFEE!, NO MORE TEENAGE SON ASKING FOR MONEY EVERY 5 MINUTES NOW THAT HE HAS A SUB ACCOUNT AND HAS LEARNED THE VALUE OF THE DOLLAR!!!!(warning, once you hand over a sub account card to a teen that has their name on it and a monthly allowance or whatever your plan would be you WILL HAVE a teenager that SUDDENLY realizes the cost of living. This can cause responsibility and an awareness of planning and consequence if funds are not budgeted sensibly which may become a life long habit known as good money management!)

  • Carla Martinez

    One last thing! PRE PAID CARDS!!!! Don’t you just hate that term? There has been a stigma attached to the idea that ‘Pre Payed’ was a lesser option compared to checking accounts and credit cards and for a long time it was the lesser option because the pre payed companies were happy to offer the basic money services with high deposit fees so to many people it didn’t make sense to own one!
    What pre payed really means is CARDS WITH REAL MONEY ON IT OWNED BY PEOPLE WHO ARE NOT LIVING OFF CREDIT OR LOANS OR BEYOND THEIR MEANS BECAUSE THEY CAN’T SPEND WHAT THEY DON’T HAVE! This in America appears to be frowned upon and I for one was tired of not being credit worthy because I hadn’t accumulated dept that I was paying off in a timely manner!
    From what I understand some laws have changed in the banking arena and now checking account features are not just limited to the big boys in banking and lets face it thanks to those guys the pre payed card holder was born and the community of this card holder grew into a population and is still growing at a faster rate than traditional banks care to admit!
    Bluebird in my opinion is at the top of this new era of money management and recognized the growing population of people in need of ways to access THEIR money!
    I have no need for a traditional bank account and looking at the fine mess those institutions contributed to this countries financial mess I would rather be with a company that thinks outside the box or in Bluebirds case flies away from the nest!

  • Carla Martinez

    One last thing! PRE PAID CARDS!!!! Don’t you just hate that term? There has been a stigma attached to the idea that ‘Pre Payed’ was a lesser option compared to checking accounts and credit cards and for a long time it was the lesser option because the pre payed companies were happy to offer the basic money services with high deposit fees so to many people it didn’t make sense to own one!
    What pre payed really means is CARDS WITH REAL MONEY ON IT OWNED BY PEOPLE WHO ARE NOT LIVING OFF CREDIT OR LOANS OR BEYOND THEIR MEANS BECAUSE THEY CAN’T SPEND WHAT THEY DON’T HAVE! This in America appears to be frowned upon and I for one was tired of not being credit worthy because I hadn’t accumulated dept that I was paying off in a timely manner!
    From what I understand some laws have changed in the banking arena and now checking account features are not just limited to the big boys in banking and lets face it thanks to those guys the pre payed card holder was born and the community of this card holder grew into a population and is still growing at a faster rate than traditional banks care to admit!
    Bluebird in my opinion is at the top of this new era of money management and recognized the growing population of people in need of ways to access THEIR money!
    I have no need for a traditional bank account and looking at the fine mess those institutions contributed to this countries financial mess I would rather be with a company that thinks outside the box or in Bluebirds case flies away from the nest!

  • Carla Martinez

    One last thing! PRE PAID CARDS!!!! Don’t you just hate that term? There has been a stigma attached to the idea that ‘Pre Payed’ was a lesser option compared to checking accounts and credit cards and for a long time it was the lesser option because the pre payed companies were happy to offer the basic money services with high deposit fees so to many people it didn’t make sense to own one!
    What pre payed really means is CARDS WITH REAL MONEY ON IT OWNED BY PEOPLE WHO ARE NOT LIVING OFF CREDIT OR LOANS OR BEYOND THEIR MEANS BECAUSE THEY CAN’T SPEND WHAT THEY DON’T HAVE! This in America appears to be frowned upon and I for one was tired of not being credit worthy because I hadn’t accumulated dept that I was paying off in a timely manner!
    From what I understand some laws have changed in the banking arena and now checking account features are not just limited to the big boys in banking and lets face it thanks to those guys the pre payed card holder was born and the community of this card holder grew into a population and is still growing at a faster rate than traditional banks care to admit!
    Bluebird in my opinion is at the top of this new era of money management and recognized the growing population of people in need of ways to access THEIR money!
    I have no need for a traditional bank account and looking at the fine mess those institutions contributed to this countries financial mess I would rather be with a company that thinks outside the box or in Bluebirds case flies away from the nest!

  • Terra Knipp

    I have been using Bluebird for a year and the only downfall, other than Amex isn’t accepted everywhere, is their customer service. Its based in India which isn’t the problem, its that everytime I need to call them, I have to wait on hold forever for very simple things. As I type this, I have been on hold off and on for an hour and a half trying to get a replacement card ordered. It so frustrating to waste such time on something so simple. They always say it will be a brief hold of 5 minutes which turns into 30. PLEASE do something to fix this!

  • Terra Knipp

    I have been using Bluebird for a year and the only downfall, other than Amex isn’t accepted everywhere, is their customer service. Its based in India which isn’t the problem, its that everytime I need to call them, I have to wait on hold forever for very simple things. As I type this, I have been on hold off and on for an hour and a half trying to get a replacement card ordered. It so frustrating to waste such time on something so simple. They always say it will be a brief hold of 5 minutes which turns into 30. PLEASE do something to fix this!

  • Terra Knipp

    I have been using Bluebird for a year and the only downfall, other than Amex isn’t accepted everywhere, is their customer service. Its based in India which isn’t the problem, its that everytime I need to call them, I have to wait on hold forever for very simple things. As I type this, I have been on hold off and on for an hour and a half trying to get a replacement card ordered. It so frustrating to waste such time on something so simple. They always say it will be a brief hold of 5 minutes which turns into 30. PLEASE do something to fix this!