Wal-Mart, Amex take on banks with Bluebird debit card
Oct 23, 2012, 6:39 am
#331
Join Date: May 2011
Programs: As many as I can!
Posts: 344
*Debit cards (such as the Suntrust) have a limit thru BB of $100/day and $1000/month. That means you'd have to make 10 trips a month to Wal Mart and you would only get 1,000 miles a month doing this. I mean for all intensive purposes you really have to be a true grinder and probably dont have much of a life if you want to go to Wal Mart 10x a month for 1,000 Delta miles, but that's just my opinion.
You do NOT have a debit card load fee and have a $1,000 daily limit and $5,000 maximum limit when you load Bluebird with a debit card at Wal-Mart.
Also, don't forget the ability to withdraw money into your bank account, just like Amazon payments.
Oct 23, 2012, 7:03 am
#332
Suspended
Join Date: May 2010
Posts: 2,998
Unless I'm missing something, that Surpass 6:1 only plays out if you find a grocery store/gas station selling reloads
Oct 23, 2012, 7:46 am
#334
Join Date: Jan 2009
Location: Florida
Programs: UA Premier Gold, TK Elite Card, AF Gold Medallion
Posts: 256
Has anyone tried buying Ice Cream with OD gift cards? I think there could be potential for more miles by purchasing OD gift cards via a shopping portal like MyPoints, which gives 4,000 points (redeemable at 2:1 ratio to UA) for a $400+ purchase at OD website.
$1000 in OD gift cards could add an additional 5,000 miles (4000 + 4000 + 2000 MyPoints for $400 + $400 + $200 OD purchases), if those OD gift cards could be redeemed for Ice Cream and churned through BB. I'm also not sure if OD online purchases qualify for 5x bonus, but just thought I'd throw this out there as a possibility....
$1000 in OD gift cards could add an additional 5,000 miles (4000 + 4000 + 2000 MyPoints for $400 + $400 + $200 OD purchases), if those OD gift cards could be redeemed for Ice Cream and churned through BB. I'm also not sure if OD online purchases qualify for 5x bonus, but just thought I'd throw this out there as a possibility....
Oct 23, 2012, 7:49 am
#335
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
*You can then turn around and pay off your credit card using BB's bill pay. (The limit on bill pay per month on BB is 10K) So buying 5K of Ice Creams with your credit cards matches up with the limits of BB's bill pay, meaning you can cleanly wash your money using that cycle.
The best thing to do is pay bills like a mortgage that you normally can't use a credit card to pay for. Please don't kill this before it even takes flight.
Oct 23, 2012, 8:19 am
#336
Join Date: May 2006
Posts: 1,433
Has anyone tried buying Ice Cream with OD gift cards? I think there could be potential for more miles by purchasing OD gift cards via a shopping portal like MyPoints, which gives 4,000 points (redeemable at 2:1 ratio to UA) for a $400+ purchase at OD website.
$1000 in OD gift cards could add an additional 5,000 miles (4000 + 4000 + 2000 MyPoints for $400 + $400 + $200 OD purchases), if those OD gift cards could be redeemed for Ice Cream and churned through BB. I'm also not sure if OD online purchases qualify for 5x bonus, but just thought I'd throw this out there as a possibility....
$1000 in OD gift cards could add an additional 5,000 miles (4000 + 4000 + 2000 MyPoints for $400 + $400 + $200 OD purchases), if those OD gift cards could be redeemed for Ice Cream and churned through BB. I'm also not sure if OD online purchases qualify for 5x bonus, but just thought I'd throw this out there as a possibility....
Oct 23, 2012, 9:01 am
#338
Join Date: Sep 2012
Posts: 4,431
Your 5K in purchases equate to:
25K Points in Ink/Bold cards that give you 5:1 (with a max of 250K/year due to the $50K cap)
30K Hilton Points/month from the AMEX Surpass (that gives you 6:1)
So factored out over a year, your haul within the rules of BB's T&C's would be:
*250,000 Chase points OR
*360,000 HHonors points (plus you would also become or retain Hilton Diamond status since a perk of that card is Diamond if you spend 40K/yr on the card, in which you would meet that requirement)
Oct 23, 2012, 9:08 am
#339
Join Date: Sep 2012
Posts: 4,431
I agree that it sounds inherently risky, but I'm wondering why everybody says that paying the CC bill with BB will get you shut down? AMEX won't know that you used the CC (presumably IB) to get the Vanillas, as they don't communicate with Chase; and Chase probably won't care where the funds are coming from.
Oct 23, 2012, 9:11 am
#340
Suspended
Join Date: May 2010
Posts: 2,998
I agree that it sounds inherently risky, but I'm wondering why everybody says that paying the CC bill with BB will get you shut down? AMEX won't know that you used the CC (presumably IB) to get the Vanillas, as they don't communicate with Chase; and Chase probably won't care where the funds are coming from.
Oct 23, 2012, 9:25 am
#341
Join Date: Sep 2012
Posts: 4,431
While I agree with you, I do believe there is a danger to those who simply use this to funnel $ back to the source. Paying your CC bill is fine, but people, and there will be those who do this, load the card and then use all of those funds to pay off a CC bill, and who repeat this process month after month are going to raise a flag.
Oct 23, 2012, 9:36 am
#342
FlyerTalk Evangelist
Join Date: Aug 2011
Location: Austin, Texas
Programs: Airline nobody. Sad!
Posts: 26,062
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Oct 23, 2012, 9:36 am
#343
Join Date: Jul 2004
Location: MCO
Programs: AA 1MM, BA, UA, HH Dia, CC Gold, SPG Plat
Posts: 795
Oct 23, 2012, 9:41 am
#344
Join Date: Jan 2009
Location: Florida
Programs: UA Premier Gold, TK Elite Card, AF Gold Medallion
Posts: 256
Oct 23, 2012, 9:48 am
#345
Join Date: Jul 2011
Posts: 32
While I agree with you, I do believe there is a danger to those who simply use this to funnel $ back to the source. Paying your CC bill is fine, but people, and there will be those who do this, load the card and then use all of those funds to pay off a CC bill, and who repeat this process month after month are going to raise a flag.
And to each their own on whether they like long summaries or not. I personally don't like wading thru 22 or 440 pages of stuff. You always have the option of skipping over it and not reading it.
