Posted by William Charles on November 27, 2013
Manufactured Spending

Published on November 27th, 2013 | by William Charles


How To: Load A Bluebird Account With Walmart And Giftcards

This tutorial will show you how to load a bluebird account with Walmart using Visa/MasterCard or American Express gift cards. Before we go into this method it’s necessary to understand why this might be useful. Bluebird acts as a regular checking account and can be used for paying bills, rent etc etc.
visa prepaid moneycenter bluebird

Because Walmart Giftcards can be purchased with credit cards it’s now possible to purchase a giftcard (and receive bonus points/miles or hit a minimum spend requirement) and then load that card onto a bluebird account. Here’s how:

Things You Need

  1. A Visa/MasterCard or American Express prepaid credit card/gift card with a scratch-able pin
  2. Bluebird account and card
  3. Walmart store with a MoneyCenter

The gift card can be purchased from anywhere, it’s important that where ever you purchase it from allows credit cards as getting the bonus points/reaching the minimum spend is the point of this exercise.

How To Load Your Account

  1. Create a PIN for your new gift card, the process varies from card to card so do a google search to find out the specifics for your card. (we suggest doing this before you purchase the gift card to ensure the one you’re purchasing can have a PIN).
  2. Go to Walmart & hand bluebird card to MoneyCenter representative.
  3. Slide your card through the credit card reader.
    1. If “Alternate options” appears click this on the screen
    2. Click debit box on the screen
  4. Enter the PIN number
  5. Payment approved on screen
  6. Receive your receipt and check for any errors

As you can see this is a pretty easy method, we’re sure that Walmart or Bluebird will cancel this at some point so get in whilst it lasts. The beauty of this method over Vanilla Reloads + Bluebirds is that there are a lot of stores that stock prepaid visa cards and allow you to pay by credit card.

Where To Find Visa Gift Cards

You can find visa gift cards at the following locations:

Grocery stores:



11 Responses to How To: Load A Bluebird Account With Walmart And Giftcards

  1. Jonathan says:

    I started doing this this month and got my wife in on it too. Today, they took her BB card and Visa gift card and ID and took it to manager because they suspected fraud. They came back and said it was okay but still gave us a look like we were doing something illegal. Is there anything illegal about using this method?

  2. Shmuel says:

    Are any of these in the NY/NJ area?

  3. David Gibson says:

    Add me to your email newsletter

  4. ColinC says:

    Walmart Money center desk had a paper saying you cannot load Serve/Bluebird with Credit cards or debit cards without a name on them. So is this method dead?

    • Chuck Sithe says:

      Did you see this yourself or are your saying from MilesToMemories?

      • ColinC says:

        I asked to open a bluebird and asked to fund it with credit or debit and the manager pointed to the paper on the desk.
        “No debit card loads without a name on the card or credit card loads”.

        I didn’t get to the POS terminal so I can’t confirm if what MilesToMemories claimed but the management is definitely enforcing it.

        • Chuck Sithe says:

          Thanks. Not sure if that paper is a corporate memo or store-specific rule. I’ve still been having success at Walmart.

        • DJ says:

          I’ve been to 3 different local WalMart stores, and they all let me load my Bluebird with store-bought Visa gift cards. In all cases, the cashier never asked to see the Visa card- I just swiped it and input the PIN myself.
          So, looks like your particular store has its own policy.
          I would try another store. Don’t ask if you can do it, just buy a low value card and try it.

  5. m girl says:

    Well, a certain Walmart store manager has FORBIDDEN ANY LOADS to your Bluebird account using a Gift Card because she said that it is quote unquote “money laundering”. It doesn’t matter that I have the receipt to show I bought the card with MY credit card and the credit card that bought it with. That is her new policy as of 2 weeks ago.

    The manager instructed everyone to refuse loading with a gift card.

    The decision appears rooted in misguided Homeland Security gibberish she spouted off about money laundering. It makes no sense to me.

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