Load Bluebird with Gift Cards without Walmart
Before you read this post, please read Load Bluebird with Gift Cards at Walmart. The following step-by-step guide is more complex and costlier than the above linked post, but is worth it if you do not have gift cards with PINs or a Walmart Store close by.
To load Bluebird with a Visa, MasterCard, or an AMEX Gift Card, you will need 5 things:
1. Bluebird Card
2. Target Store
3. Target AMEX Card (instructions below)
4. CVS Store (that sells Vanilla Reload Cards)
5. Gift Card(s) (PIN not required, so this will work with all gift cards)
Step 1: Go to your local Target Store and find the Target Prepaid Reloadable AMEX Cards (found on the gift card rack by the checkout counters). You will need to use a credit card to load the temporary card. The maximum load for the temporary card is $500. During the checkout process, you will need to enter your mailing address, phone number, email address, and social security number (this is just a soft pull which will not affect your credit score). After everything is complete, your temporary card will be activated and you will receive the permanent card in the mail within 1-2 weeks. In the meantime, you can use the temporary card just like a prepaid gift card.
Step 2: When you receive your permanent Target Prepaid Reloadable AMEX Card in the mail, activate the card online, and set up an account at www.americanexpress.com/target. At that point, the balance from your temporary card will automatically be transferred to your permanent card. The transfer should be instantaneous. You can view your current balance online. In a few hours, the temporary card will no longer be activated (because it will no longer have a balance).
Step 3: Go back to your local Target Store with your Target AMEX Card and your Visa, MasterCard, and American Express Gift Cards. Go to the Customer Service and Returns Department and tell the representative that you want to load your Target AMEX Card. (They may look at you strangely if they have never loaded a Target AMEX Card before). Just like your Bluebird Card, your Target AMEX Card has a $1,000 daily reload limit and a $5,000 monthly reload limit. The monthly reload limit is based on a moving 30 day time period.
Step 4: You can reload your Target AMEX Card from $1 to $1,000 with a $3 service charge for your entire reload. I always reload $1,000 on my Target AMEX Card, so the total amount due is $1,003. You can use gift cards and credit cards to reload your Target AMEX Card, but I always use my gift cards first. When you swipe your gift card on the credit card reader, it will ask you if you want to use debit or credit – click credit every time. The credit card reader is smart and will automatically drain the balance of your gift card down to $0. Then you repeat with your next gift card. If you used all your gift cards and still have a balance due, you can use a credit card to pay the remaining balance. For example, I once used 8 $100 gift cards and charged the remaining balance of $203 to my credit card.
This is the view online of my Target Reload:
Step 5: Your Target AMEX Card will now have a $1,000 balance (or whatever amount you decided to reload on the card). Drive to your local CVS Store (assuming they sell Vanilla Reload Cards) and get 2 Vanilla Reload Cards. Since each Vanilla Reload Card costs $3.95 to load, subtract $3.95 twice from $1,000, which gets you $992.10. To make your life and the cashier’s life easier, get a $500 Vanilla Reload Card and a $492 Vanilla Reload Card. Your total will be $999.90. Use your Target AMEX Card to pay. They may ask to see your driver’s license also. If they tell you you can’t use a gift card to pay, tell them it is a credit card and the name matches your drivers license (your experience may vary).
This is the view online of my CVS Purchase: