Best Credit Cards of 2026
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Overview
Average Monthly Fees and Costs:
Product Details:
- Minimal fees. Using the card to make purchases is free; there are no monthly or inactivity fees; loading additional value on card is free and ATM withdrawals are $2.50 outside of MoneyPass network- free is you use MoneyPass ATMs.
- Subaccounts. You can set up accounts for a teen’s allowance or safely send money to a friend or relative. Text alerts and emails can keep you up-to-date on card use (or alert you to unauthorized use) and balances on linked cards; you can even block ATM access. * Update: As of November 12, 2013, for security reasons, Bluebird changed a policy resulting in the reduction of the number of accountants from four cards to one card, as well as adding that your name must be on the account.
- American Express branding. Pro: You have protection of something you bought with the card is stolen or damaged within 90 days of purchase. Con: American Express is not as widely accepted as some other cards.
- Mobile check-deposit and/or checks. Use your smartphone (iPhone or Android) to deposit checks, or use preapproved checks for things like rent, deposits or any other time you prefer paper.
- FDIC insured. This means BlueBird is now eligible to receive direct-deposit funds from government sources – such as Social Security benefits, unemployment benefits or military disbursements.
Activation Fee: $0 (up to $5.00 to purchase a Bluebird prepaid card at retail locations, but no charge to get online)
Monthly Fee: $0.00
Best Credit Cards of 2026
Find Your Perfect Prepaid or Credit Card to Help you Build or Rebuild Your Credit!Finding the perfect credit card is easy. Simply use our Card Ratings and Reviews for 2026 and we’ll kick-start the search!
Card Limit: $100,000
PIN Transaction Fee: $0.00
Signature Transaction Fee: $0.00
ATM Withdrawal Fee: Free in network, otherwise $2.50
ATM Balance Inquiry Fee: $0.00
ATM Out of Network Withdrawal Fee: $2.5 plus third-party fees
ATM Out of Network Balance Inquiry Fee: $0.00
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ATM Withdrawal Limit: $500 per day or $2,000 per month
Bill Payment Fee: $0.00
Bank Teller Cash Fee: N/A
Bill Pay Expedited Service Fee: $0.00
Inactivity/Maintenance Fee: $0.00
Cash Load Fee (* asterisk indicates third party fees): Up to $3.95 at participating retailers* (no charge at Walmart MoneyCenters)
Wire Fee: N/A
ACH Debit Fee: N/A
Card Purchases (SIgnature) Daily Limit: Up to $10,000 per month, or an average of $333.33 per day in a 30 day month
Card Purchases (PIN) Daily Limit: Up to $10,000 per month, or an average of $333.33 per day in a 30 day month
Card Features
Initial Fees
Average Monthly Fees
Bill Pay Fees / Features
Loading Fees / Options
Total Score
User Rating
32 total ratings
Things We Like
Checking or debit account alternative rating: This card can replace a checking account for some people; its mobile check deposit app might make it desirable for customers whose banks or credit unions do not offer that service. As opposed to typical checking accounts, there is no risk of overdrawing or bouncing checks. Fees: no monthly maintenance fee (rare among prepaid debit cards).
Free ATM network? Yes, 22,000 MoneyPass locations. (Free ATM withdrawals with direct-deposit)
Things We Dislike
Although a very well respected brand, American Express is still not offered in as many places as Visa and MasterCard branded cards. ATM withdrawal fees $2.50 for out-of-network withdrawals plus whatever other surcharges or fees may apply with the outside network (though this type of fee is pretty standard in the prepaid card industry).
Bottom Line
Wal-Mart’s partnership with American Express has produced a user-friendly card with thousands of locations – any Wal-Mart store — where you can easily add funds or withdraw cash. Fees are generally low, though if you use ATMs much outside the MoneyPass network they could quickly add up. The big difference here is FDIC insurance. In […]
PostedJanuary 16, 2019 by Curtis Arnold
Full Article
Wal-Mart’s partnership with American Express has produced a user-friendly card with thousands of locations – any Wal-Mart store — where you can easily add funds or withdraw cash. Fees are generally low, though if you use ATMs much outside the MoneyPass network they could quickly add up. The big difference here is FDIC insurance. In addition to insuring funds up to $250,000, FDIC-insured status means that funds from government sources can be direct-deposited. For some users, this could potentially replace a checking account, and there is no risk of overdrawing or bouncing checks, you can check your balance from a smartphone, and you can set up sub-accounts to budget or distribute allowances.
Bluebird Card Rating- Bottom line:
Bluebird by American Express is a true checking or debit account alternative and can replace a checking account for some people; its mobile check deposit app might make it desirable for customers whose banks or credit unions do not offer that service. It’s also a good candidate for a teen allowance card.
Bluebird Card Benefits:
- Fees: no monthly maintenance fee, no point-of-service fee for transactions.
- With Bluebird2Walmart Money Transfer Powered by Ria you can send cash from your Bluebird Account to anyone from anywhere for pickup at any Walmart store. The cash recipient must be 18 years or older. Fees (up to $4.00), limits and terms apply.
- Free ATM network? Yes, 22,000 MoneyPass locations.
- Minimum load: $25
- Send money to anyone with Bluebird2Walmart Money Transfer* Powered by Ria®. You can send money for free between Bluebird card Accounts.
- No rewards or rebate program, but Bluebird does offer American Express Experiences, where you get tickets to popular concerts and the like, and AmEx Offers, which gives you special shopping and restaurant offers.
- Cash your checks with the Bluebird Mobile App using Mobile Check Capture by Ingo® Money. Access your money in 10 days for free if the check your depositing into your account is not returned unpaid (bounced check). Or you can access your money in minutes (for a fee depending on amount of cash you need).
Editorial Note!:
“The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, including this review and the reviews written by actual cardholders below.”
3 Comments
- BenFebruary 26, 2014 at 10:10 pmThis card is accepted just like a normal American Express. This can cause more problems than some cards that are VISA or MasterCard based because AmEX is not accepted in a lot of locations that I have tried to use it. I tried to get cash back at Kroger and it didn’t allow it.
- Hilary DoddridgeFebruary 26, 2014 at 10:12 pmThat is a very valid point and one that we hope people will consider when choosing a prepaid card, or card of any kind. Thanks again for the personal feedback. We really appreciate you taking the time to comment! Have a great dayReply
- Annie BarnesApril 20, 2016 at 4:18 pmI was thing of having my # SS load onto this card, I see it’s not a good idea, thank for that info.
Ms. Barnes
