Bluebird reload fees and why I’m getting lazy on the Vanilla Reload front

By now you’ve heard the news: BlueBird is no longer charging $2 fees on online debit reloads. These loads are limited to $100 per day/$1,000 per month, so you’re looking at 500-1,000 miles depending on the card you’re using. If you were to cover this $1k with Vanilla Reload cards instead, you’d earn 1,000 miles at a cost of $7.90.In any case, this is good news for those of us who have been getting lazy with the manufactured spending.

Vanilla Reload

I while ago I wrote about generating $40,000 in manufactured spending each month. I’ve gotta say, it’s becoming more and more difficult to hit that number. Not because there’s a shortage of resources, but because of the following:

1. Convenience. My old job was conveniently located a block away from CVS. I’d make twice-daily trips (sometimes more) to the drugstore and stock up on Vanilla Reloads. It was ridiculously easy and gave me a nice escape from the toxic environment and workload. Now it’s a bit of a hassle to drive to CVS every day, which brings me to my second point:

2. Store limits. CVS stores are changing the limits on card puchases constantly and keeping up gets tiring. Walking up to the register with the wrong number of cards can cause the cashier to ask questions, which leads to a long wait, which leads to either rejection (i.e. “You have to pay cash for those”) or a new policy on limits. The manager will notify the entire staff and every time I go in afterwards, I’m subject to this new limit.

3. Security issues. I’ve written about a few instances recently when my cards were declined, how I got around the ID requirement, and how 7-11 corporate called the store and demanded they stop running my credit card. In the past, I’ve had no issues buying $1k at a time with my Chase cards, buying over $5k per day. Now I sometimes get shut down after the first $500 runs. I certainly don’t want to attract the attention of the fraud department and end up with my accounts suspended.

If all of these things are getting to you, do what I do: Get your family to do the heavy lifting for you. There are several Vanilla Reload goldmines where my brother goes to school. I finally got through to him and he’s been loading up on cards for me. Get one person addicted and it will lighten the load, trust me.

Aside from that, I’m taking a bit of a hiatus from the Vanilla Reload game. I’m spreading my manufactured spending among more cards than before, and generally don’t go out of my way to earn them. This is where the new Bluebird comes in. It takes care of the time factor, allowing me to hit at least $4k of the limit without having to drive anywhere (4 bluebird cards $1k/month). It’s a small amount, but that’s at least four fewer trips to CVS for me.

What are your thoughts on the state of manufactured spending? Is it getting easier or more difficult for you?

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41 responses to “Bluebird reload fees and why I’m getting lazy on the Vanilla Reload front”

  1. Bdawg Avatar
    Bdawg

    Too bad this only works for debit cards… I wish Walmart Bluebird were like Amex for Target, where you can load the card straight up with your credit card.

    1. PointChaser Avatar
      PointChaser

      Same here, Bdawg. Amex has only improved Bluebird so far, so hopefully that will be possible one day.

  2. ROBERT BLACK Avatar
    ROBERT BLACK

    When you are doing large manufactored spend each month do you use Bluebird to pay the same Chase card that you used to buy the VR? What is a formula that makes sense regarding minimum spend—buy VR to the spend amount and then just repay the Bank that you used the card for?

    1. PointChaser Avatar
      PointChaser

      Yes, that’s the most organized way to do this. Not all of my manufactured spending goes on Bluebird – sometimes I load Vanilla Reloads onto the My Vanilla Debit card, or I load Paypal reload cards onto my account. In all of these instances, I either use bill pay to pay off the card or I cash out the funds via money order and pay off the card at a branch.

      1. ROBERT BLACK Avatar
        ROBERT BLACK

        Thanks for the quick response. Any feelings about using SPG AMEX to buy VR and then repaying through Bluebird–due to there tight relationship?

        1. PointChaser Avatar
          PointChaser

          I’d be careful with Amex in general. I wouldn’t max out $5k with SPG because, depending on the income listed on your application, they might subject you to a Financial Review. I personally cap it at $3k per month. This way, I can always justify it as a mortgage payment.

  3. Rambo Avatar
    Rambo

    Does this mean that we can load 6K from now on? 5K with VR’s and 1K with Debit? or is it a total of 5K?

    1. PointChaser Avatar
      PointChaser

      Unfortunately, no. You are still limited to $5k per month and can load $1k with your debit card. The great thing about this is if you have a Suntrust Delta debit, you’re earning 1 point/$1 fee-free.

      1. Scott Avatar
        Scott

        I believe this is wrong. How did you draw that conclusion? According to the Bluebird T&Cs it pretty specifically states that “cash funding sources” are separate from “debit” loads. Also, BB shut people down for changing debit load sources multiple times in its infant stages, so I’d tread lightly there – but if you want to be “lazy” about the points, then try it for a few months and report back.

  4. Brandon Avatar
    Brandon

    First of all, I am jealous that you have 4 Bluebird cards. Did you ask permission from those other people to sign them up for a Bluebird card, or did you do it without telling them?

    Point Chaser, which CVS location(s) and which 7-11 location(s) do you have success in (other than the ones on Market St in San Francisco and Telegraph Ave in Berkeley)? I am pleasantly surprised that you somewhat still have success at 7-11, despite widespread reports of failure at many 7-11 stores.

    Also, how does your brother manage to use your own credit cards to buy reload cards for you, seeing that you have to provide a signature and CVS takes IDs? I guess an authorized user is perhaps a solution, but some credit cards don’t award points for spending done by authorized users.

    1. PointChaser Avatar
      PointChaser

      lol! Of course. That is the benefit of having family members who will play along. My brother has his own CSP card that he uses for VR’s. Since I’m short on UR points for a trip in December and he’s closest to the goal, I’m having him wrack up spend so I can use his miles. As for 7-11 locations, the one on Market street takes credit cards but it only works on Paypal cards. That’s what I usually buy, as it still earns be 2x and I can cash out the Paypal card fairly easily.

      1. jada Avatar
        jada

        how do you cash out the paypal cards without getting shut down please help

        1. PointChaser Avatar
          PointChaser

          I cash them out via money order, though I have done a bank transfer once.

  5. andreas Avatar
    andreas

    you are right, a lot of pros have moved away from vanilla reloads, due to the hassle of finding one. There are so many other techniques which work reliably, some with even lower hassle than vanilla reloads

  6. ROBERT BLACK Avatar
    ROBERT BLACK

    Andreas; help a newbie out and go into more detail about these other techniques

  7. Guest Avatar
    Guest

    Vanilla Reloads have disappeared from CVS in my state; none in the last month. i’m very jealous of those of you who still have access to them. The only places I know of that are still selling VRs near me are for cash only.

    1. PointChaser Avatar
      PointChaser

      Sorry to hear that. Be sure to check out the list of other stores that carry them. Walmart, Dollar General, Fred’s, etc.

    2. Path Avatar
      Path

      I can buy them for you, but then how can I sell them to you at cost?

      1. rhdailey Avatar
        rhdailey

        As mysteriously as the VRs left the Bay Area, they returned in force about 2-3 weeks ago, same good old VRs, still $3.95, and still accepting CCs at CVS. Phew! By the way, forget Berkeley 7-11s: cash/debit card only.

        1. PointChaser Avatar
          PointChaser

          Good to know! I noticed they were MIA in berkeley a while back, though Oakland was stocked. By the way, you can buy Paypal reload cards at the 711 on Market Street SF with an Ink Bold. VR’s too if they have them, though they’ve been out of stock the last few times I’ve been there.

          1. rhdailey Avatar
            rhdailey

            more on Bay Area VRs. It’s complex…..of course. Some CVSs in Berkeley/El Cerrito/Albany are requiring cash now. But I’m in the Lamorinda area, and no problems over here. Stay tuned. Landscape changes continuously.

          2. PointChaser Avatar
            PointChaser

            Thanks for the update!

  8. Dailey Robert Avatar
    Dailey Robert

    I’m a regular VR guy in the east SF Bay Area. For the last 6-8 weeks the CVSs around here have not been restocked. Period. I’ve queried several managers and knowledgable clerks.
    No info. No one seems to know what’s happened. So the hunt has extended to 7-11s: either they’ve never seen the VR or the register blocks CC attempts at purchase- “cash or debit only”. Walgreens around here are the same. So…….I’m dead on BB. And the new “wonderful”policy permitting free $1000/ mo.debit card reloads is little comfort. I even found a Save Mart in an obscure corner of SJ: they’d never seen or heard of a VR [I even carry around a used VR to introduce myself. My calling card….]
    Anyway,,,,anyone out there have a handle on this? Suggestions?
    Hurting and frustrated in SFBA.

    1. PointChaser Avatar
      PointChaser

      Try CVS in downtown Oakland. As far as I know, that location is still fully stocked. Also, if you can’t find anything else – move on to Paypal prepaid cards. The 711 on Market in SF always has these.

    2. Path Avatar
      Path

      I said this to another poster I have shops all around me who carry VR is there a away I can help you?1

      1. PointChaser Avatar
        PointChaser

        Thanks, Path. I’ve actually had some success in the Sacramento area so I’m ok.

        1. tj Avatar
          tj

          hi, can you please tell me which stores here in Sac you’ve had success with this?

  9. Robert Blacklock Avatar
    Robert Blacklock

    I tried three different CVS locations and two out of three are still selling VRs with a CC in the Greater New Orleans area

    1. PointChaser Avatar
      PointChaser

      Keep trying – and check the VR website for a list of other retailers you can purchase these from.

    2. Path Avatar
      Path

      I have like10 cvs’ in my area all are stocked to the max? Is there some way I can help you?

  10. Robert Dailey Avatar
    Robert Dailey

    Thanks for the helpful comments, pointchaser and blacklock! I’m on it!

  11. rick b Avatar
    rick b

    It couldn’t be simpler! I manufacture $50k+ a month by buying regular gift cards, unpack them at home while watching tv, and the next morning take the whole batch to my local grocery store to make a big money order that goes straight to the bank. I do $5k of VR to BB as well, but that’s now a fraction of what I can do by abandoning prepaid products altogether.

    1. PointChaser Avatar
      PointChaser

      Rick, just be careful not to put too much of this spend on a single card and avoid depositing too much in a single account. Saverocity ran a post about Pat, who had all her Chase accounts shut down over this.

    2. Path Avatar
      Path

      Would you mind showing me the ropes, I can’t buy 50k but I’m curious about your methods? Care to share?

      1. PointChaser Avatar
        PointChaser

        Sure! I’ll be running a series on manufactured spending shortly, which will explain all of this in detail. In the meantime, this post might be helpful: https://www.pointchaser.com/how-to-meet-40000-in-spending-requirements-next-month/

  12. De Avatar
    De

    Were you ever subject to aa from mvd?

    1. PointChaser Avatar
      PointChaser

      Can you clarify? Not sure what aa is referring to.

      1. De Avatar
        De

        Having them suspend your card(s) or putting the in “spend down” mode due to ca’s or multiple loading/unloadings in a short period.

        1. PointChaser Avatar
          PointChaser

          No issues so far. I’ve been cutting back on VR’s in general,doing $5k on two different mvd’s each month without problems

      2. Brandon Avatar
        Brandon

        My guess is that by aa, he means adverse action. This means any negative action taken by a credit card or financial institution. This includes, but is not limited to, account closure, credit line reduction, or forfeiture of miles/points. The MVD (My Vanilla Debit, I assume) is notorious for this type of action.

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