On September 3, 2014, the TD Go per-day reload amount will be decreasing from $1,000 to $500. The maximum card balance at any time will remain at $2,000. In addition to that account owners and friends and family members will only be able to load TD Go Card(s) using a TD Bank Debit or Credit Card, or by direct deposit. In short, this card is basically dead to the travel hacking community.
As of 8/29/14, the US Buxx link is officially dead.
My Visa Buxx post has arguably been my most popular post. Because of that, I’ve been asked certain questions about it, multiple times. The purpose of this post is to consolidate those questions and answer them for everyone.
Types of Visa Buxx
There are three popular Visa Buxx banks: US Bank, Nationwide Bank, and TD Bank. TD Bank is the most profitable for manufactured spending, however, it isn’t available everywhere. On the other hand, Nationwide Bank is the least profitable since you can only load $1,000 per 30 days. That leaves US Bank, which is the happy medium between those three. You can load $2,000 per 30 days and it’s available everywhere. Here is how they all compare:
|TD Bank||US Bank||Nationwide Bank|
|Purchase Fee:||$4.95 + $1 load||$15 + $2.50 load||$10 + $2 load|
|CC Load Fee:||$1.00||$2.50||$2.00|
|Max Daily Load:||$1,000||$2,000||$500|
|Max Load - 30 Days:||$3,000||$2,000||$1,000|
|Max Card Value:||$2,000||$2,000||$1,000|
|ATM Rules:||$60 withdrawal per week||$200 per withdrawal|
$600 max per day
|$200 withdrawal per week|
|Max CC Loads w/ Multiple Teens per 30 Days:||$6,000||$5,000||$2,000|
How to fill in the teen portion of the application
Filling in the teen info is simple. They don’t verify it so you could put anyone’s name, email, phone number, and social security number. When my wife and I signed up for accounts, we used each others info as our “teens”. So, I am her “teen” and she is mine. Are you sure the teen section isn’t verified? Yes, but that doesn’t mean you won’t get shut down for it. My experience so far has been nothing but perfect. However, there have been reports on Flyertalk of people getting shut down. The US Bank cardholder agreement says that the person signing up (you) will notify them of the name, age, relationship, and address of your “teen”. The only requirement is your “teen” must be 13 years or older.
What’s the best option to liquidate Buxx funds?
I like to liquidate my Buxx via the ATM, because it’s completely free. If that’s not an option, money orders are my second choice.
You list max ATM amounts… how does that relate to using a Buxx card say for loading to BB or GoBank?
You could load Bluebird, Serve, or GoBank with it, but I don’t like to solely because I don’t want to waste my $5,000 monthly limit. This doesn’t affect your ATM withdrawals. It would affect spending your spending limits.
If I have access to a TD bank, would a TD Buxx card be free of ATM fees?
Yes, TD Buxx can use TD ATMs for free. The only problem, is your limited to a $60 withdrawal per week. It would take quite a while to liquidate that way.
Can you load with gift cards?
Buxx cannot be loaded with GCs, only credit cards.
Can you purchase money orders?
You can purchase MOs with Buxx. They will code as purchases when bought at Walmart or grocery stores.
What amounts can they be purchased in?
The MO amount will vary by store. Walmart is $1,000 for $0.70 and most grocery stores are $500 for $0.60-$0.75.