Comparison (US)

Walmart MoneyCard or Bluebird Amex: a comparison

If you need a card to save your finances, you can benefit from a Walmart MoneyCard or Bluebird Amex card! So, read our comparison to know more!

Walmart MoneyCard vs. Bluebird Amex: which is the best?

See which one is best: Walmart MoneyCard or Bluebird Amex card! Source: Unsplash
See which one is best: Walmart MoneyCard or Bluebird Amex card! Source: Unsplash

When it comes to choosing a prepaid debit card, Walmart MoneyCard and Bluebird Amex are two of the most popular options. Both cards have their pros and cons, so it can be difficult to decide which one is the best option for you. In this blog post, we will compare Walmart MoneyCard and Bluebird Amex in terms of benefits, drawbacks, and fees. We will help you decide which card is the best choice for your needs!

Another advantage of one of these two excellent prepaid cards is that they have few fees and do not require a credit check, making them an excellent choice for many people. We understand that it can be difficult to choose between cards that have similar features. However, we are here to assist you in comparing the two and making the best decision possible! Consequently, continue reading our comparison post to learn even more about these incredible cards!

Walmart MoneyCard card

How to apply for the Walmart Moneycard debit card?

You can easily and quickly apply for the Walmart Moneycard debit card. So, check out how you can start earning cash back and all the benefits that come with this card!

Bluebird Amex card

How to apply for the BlueBird Amex debit card?

Are you looking for a debit card to help you save money, and that gives you Amex perks? If so, read out post about the BlueBird Amex debit card application!

Walmart MoneyCard cardBluebird Amex card
Credit ScoreAny score.Any score.
Bank and ATM Fees*$2.50 ATM fee.

$5.95 cash reload fee (free if using the app).

5.94 monthly fee (free if loading $1,000 or more).

ATM balance inquiry $0.50.

$1 setup fee.

3% for foreign transactions.

$5.95 for 12 checks.

$3 for standard card replacement.

$15 for expedited delivery.

*Terms apply.
No annual or monthly fees.
Fees for withdrawals at some ATMs.

*Terms apply.
Cash Withdrawals* $2.50.Free ATM withdrawals at over 30,000 MoneyPass® ATMs.

*Terms apply.
Welcome bonus*N/A.No welcome bonus.
Rewards*3% cash back at Walmart.com.

2% cash back at Walmart fuel stations.

1% cash back at Walmart stores.

*Terms apply.
Amex offers (dining and shopping).

*Terms apply.

Walmart MoneyCard card

See the perks of the Walmart MoneyCard card! Source: The Mister Finance.
See the perks of the Walmart MoneyCard card! Source: The Mister Finance.

With the Walmart MoneyCard card, you can get excellent rewards, such as 3% cash back at Walmart.com and 2% back at Walmart gas stations. Plus, you can get 1% cash back at any Walmart store. With this, you can gain up to $75 each year. Also, as a cardholder, you will get access to overdraft protection of up to $200. Moreover, you can get three coverage levels!

In addition, this prepaid card can provide you with all of these benefits and rewards without charging you an annual or monthly fee! However, in order to be exempt from the monthly fee, you must have made a direct deposit of $500 or more in the previous month. As a result, if you do not make the required deposit, you will be required to pay $5.94 per month.

Moreover, you can use this card if you love to shop at Walmart and get rewards. Also, you can use this card to limit your spending and only spend the amount of money you can each month. With this, you can save the amount of money you really need to save.

Despite the fact that this card offers many benefits and rewards, there are some drawbacks. For example, you must make a deposit in order to avoid paying the monthly fee, and there are numerous fees for ATM withdrawals and other services.

Bluebird Amex card

Check out how the Bluebird Amex card works! Source: The Mister Finance.
Check out how the Bluebird Amex card works! Source: The Mister Finance.

With the Bluebird American Express card, you can make your regular everyday purchases and top up your account with cash for free at any Walmart location nationwide. You can also use this excellent card to pay your bills and shop online with no additional fees! Furthermore, you can pay your bills, rent, and other obligations online!

In addition, you can use this Amex card to send money to anyone in your family. Plus, you can set your spending limits always to make sure that you are only spending what you can. This way, you will be able to save more money and achieve your financial goal!

However, this card also has some downsides. For example, there is no regular rewards plan available. You can only get special perks related to Amex offers. Also, you need to pay some fees to make withdrawals at ATMs that are not related to MoneyPass.

Benefits of the Walmart card

  • You can get from 3% to 1% cash back rewards.
  • There is access to overdraft protection available with three coverage levels.
  • You can make early direct deposits.
  • There are no monthly or annual fees if you make a direct deposit of $500 in the previous month.
  • You can get 2% APY on your savings.
  • There are many excellent prizes that you can win every month.
  • You can create accounts for your family members.

Benefits of the Bluebird card

  • There is no need to worry about your credit score.
  • Bluebird does not require a credit check during the application process.
  • There is no annual fee.
  • You can get fantastic tools to manage your account.

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Disadvantages of the Walmart MoneyCard card

  • You need to make a load to waive the monthly fee.
  • There are bank fees and fees for some ATM withdrawals.

Disadvantages of the Bluebird Amex card

  • You need to pay fees to make withdrawals at ATMs that are not related to MoneyPass.

Walmart MoneyCard card or Bluebird Amex card: which you should choose?

Both these debit cards offer many excellent and similar benefits. For example, the Walmart card offers 3% cash back to 1% cash back rewards to its cardholder. On the other hand, the Bluebird Amex card offers perks for buying at Walmart as well. However, it does not offers cash back rewards. Therefore, before choosing any of these cards, you should read its terms and conditions to know what you are signing up for.

And if you are unsure about getting one of these two fantastic cards, we can help you out with a different option. So, check out our post with a full review of the American Express Serve Cash Back card to learn more and make the best card decision for your financial life!

Amex Serve Cash Back card

Amex Serve Cash Back card full review

Do you need a card that doesn't do a credit check and gives you unlimited 1% cash back? If so, read our American Express Serve Cash Back card review to learn more!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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