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With the demise of Target’s REDcard (aka REDbird), is it worth keeping open or should you switch over to one of its relatives? That’s a question you’ll need to answer for yourself, but in this post we’ll look at what each card brings to the table to help you decide which card to keep in your arsenal.
Serve, Bluebird, and REDcard all run on the American Express network using the same prepaid platform. That’s good in the sense, that they are all virtually the same other than a few minor quirks, but it’s bad in the sense that you can only get one (see below). So, what differentiates them?
Bluebird was American Express’ first attempt at partnering with a big retailer (Walmart) to create a prepaid product. It wasn’t Amex’s first prepaid product, but it was the first one really useful for manufacturing spend. In other words, Bluebird was the original manufactured spending machine.
That being said, since it was the original Amex prepaid card that MSers took advantage of, it’s also the most changed card of the three. Remember when you could load Bluebird with Vanilla prepaid cards for more than $49.99 at a time? Yeah, good times…
Serve is the only prepaid card of the three that doesn’t partner with a retailer. Because of that, Serve doesn’t offer any retailer benefits such as the 5% you save at Target with REDcard, but it is one of the most MS friendly cards of the three. That’s primarily thanks to the ability to load Serve online with a credit card which cannot be done with Bluebird or REDcard.
REDcard is the newest of the three prepaid cards. For awhile, it was by far the easiest card to MS with, thanks to the ability to load directly with a credit card. Unfortunately, as you all know, that benefit has died which has leveled out the playing field significantly.
Despite the loss of that amazing benefit, Target’s REDcard is still a great tool to manufacture spend with. In addition to that, it’s a great card for regular Target shoppers since it offers free shipping and 5% off all purchases.
Unfortunately, since all three of these cards run on the same Amex platform, they only allow each person to have one. Fortunately, though, it’s an easy process to switch between the three.
The reason most, if not all, of you are reading this post is to determine which of American Express’ three prepaid products is best for manufactured spending. Regardless, for those who don’t know, these three cards are the ultimate manufactured spending machines. Well, they’re not really the ultimate MS machines, but they’re as close as you can get at this time.
So, how are they MS machines?
For one, they can all be loaded online with a debit card. If you happen to have a reward earning debit card such as PPBDMC, UFB Direct airlines checking debit card, or Suntrust Skymiles checking debit card. This won’t bring in thousands upon thousands of points each month, but it will add a little bit of MS to your points toolbox.
Where these cards really shine is their in-store load-ability. Each one can be loaded in-store (REDbird at Target, Bluebird and Serve at Walmart, and Serve at Family Dollar) with prepaid debit/gift cards. Those debit/gift cards can be purchased at multiple different stores for a small fee that ultimately earns you points and miles. Realistically, Serve, Bluebird, and REDbird are just used for liquidation. They don’t really earn you new points, they just help you liquidate the cash equivalents you bought to earn points and miles in the first place.
|Online Credit||N/A||$1,000 (Amex Cards Only)||N/A|
|Reload Cards (Ties into In-Store limit)||N/A||$5,000||$5,000|
|Max Monthly Load (CC, DC, & In-Store)||$6,000||$7,000||$6,000|
|ATM Withdrawals||$750/day; $2,000/month (AllPoint ATMs)||$750/day; $2,000/month (Money Pass ATMs)||$750/day; $2,000/month (Money Pass ATMs)|
|5% off at Target||Yes||No||No|
|Free Target.com Shipping||Yes||No||No|
|Waived Foreign Trans Fees||Yes||No||Yes|
All three of American Express’ prepaid cards are great tools for manufacturing spend, so any one will do, however, deciding which card is best for your situation is entirely up to you. Do you shop at Walmart or Target regularly or do you happen to pass Family Dollar stores often? Only you can decide which card is the best for you, but if you sign-up for one and happen to change your mind, you can always switch to one of its siblings. 🙂