I’ve never really bothered with loading Bluebird at Walmart with Prepaid Gift Cards because Walmart is not conveniently located for me. The point of loading Bluebird at Walmart is because you can load prepaid gift cards you buy with a credit card to either meet minimum spend or manufacture spend and then pay bills such as mortgage or credit card bills with Bluebird. There is no fee to do this, but to load Bluebird online with a prepaid or debit card costs $2 for every $100, which is not worth it. I finally went over the weekend and it was quite easy loading Bluebird at Walmart with Prepaid Gift Cards. I simply walked up to the Walmart Money Center kiosk, swiped my Bluebird, swiped my Visa Gift card and I was good to go. Here are some tips on loading Bluebird at Walmart:
1. Ensure that your Prepaid Gift Card is PIN-enabled. You should be able to assign a PIN to Prepaid Gift Cards issued by US Bank, but currently not Prepaid Gift Cards issued by Bankcorp. Assign a PIN by calling the number on the back of the card and going through the automated menu. Other cards that you can work loading Bluebird at Walmart include: Chase Gift Cards, any PIN-enabled debit card, and Paypal Debit Card.1. Ensure that you assign a PIN to your Visa gift card. You can assign a PIN easily by calling the number on the back of the card.
2. Know the Daily Limits. You can load $1,000 onto Bluebird each day and up to $5,000 per month. The $5,000 includes all reloads including Vanilla Reload cards.
3. Consider the time and cost of loading Bluebird at Walmart with Prepaid Gift Cards. Vanilla Reload cards are still a better option in most cases because it only costs $3.95 per $500 and you can load your Bluebird online. However, Vanilla Reload cards are hard to find in many places. Driving to the grocery store and then Walmart could make things costly due to opportunity costs, gas, wear and tear, etc. Additionally, prepaid gift cards can have fees from $4.95 to $6.95 per $500.
4. Buy Prepaid Gift Cards at grocery stores with your favorite grocery store credit card. My strategy is to max out my $6k grocery store limit on my AMEX Blue Preferred Cash Card 6% off groceries. The AMEX Premier Rewards Gold card is also a decent choice of 2X MR points per dollar spent at grocery stores.
I attempted to load my Bluebird at Walmart with one Chase Gift Card ($0 fee currently) and one $500 Prepaid Mastercard issued by US Bank ($5.95 fee). After assigning PINs to my prepaid gift cards by calling the back of the card, I headed over to Walmart. The machine had several options, but I figured it all out pretty quickly. There is no Bluebird option written on the menu, but you can load the prepaid gift cards by clicking Greendot. You then swipe the Bluebird card and load each $500 prepaid gift card at a time.
The machine was pretty slow in processing the prepaid gift cards, but I was happy that they both successfully loaded onto my Bluebird card! I logged into my Bluebird account and saw that both prepaid gift cards were successfully loaded.
Was it worth it? I would say that it was worth loading the prepaid gift cards at Walmart because I am trying to spend $3,000 on my Hyatt card to get the targeted 5,000 Hyatt points and I earned $24 ($30 via Amex Blue 6% cash back minus $6 fee).
Is loading Bluebird at Walmart with Prepaid Gift Cards worth it for you? Or is it too much work to earn points and cash back?