Vanilla Reload cards gone by April 1. Here’s the good part…


Vanilla Reload Cards

The buzz today regarding the death of Vanilla Reload cards was triggered by emails from American Express to Serve and Bluebird cardholders.  Customers received emails like this one (bolding is mine):

We are writing to inform you of some changes to the terms and conditions of your Bluebird® Account. Please review the change below:

InComm Vanilla Reload PIN Package is one of the many ways to add money to your Bluebird account. Starting April 1, 2015, the Incomm Vanilla Reload PIN Package will no longer be available for purchase. Any previously purchased Vanilla Reload can still be added to any Bluebird account.

You can still add money to your account in many free, convenient ways including Direct Deposit, adding cash at virtually any Walmart® checkout register, and more. Click here to learn more.

Thank you, The Bluebird® Team


The way it used to work was that Bluebird or Serve cardholders would go to Office Depot or CVS to buy Vanilla Reload cards with their credit card and load each with the max of $500.  Sure, there was a $3.95 fee for each card, but that paled in comparison to the rewards one could get from a credit card that offered a good category bonus for office supplies or drug stores.  Customers would then take those cards home and browse online to to load the card’s value to their Bluebird or Serve card.  Then, Bluebird or Serve could be used to pay bills, withdraw cash to bank accounts, and more.

After a while, Office Depot stopped allowing credit cards for these purchases.  Then, about a year later, CVS did the same.  Both chains cited fraud as the reason for their decision. Today, there are still some stores that will let customers buy Vanilla Reload cards with credit cards, but those are few and far between.

The other reload card

Before Vanilla Reload cards existed, there were Greendot MoneyPaks.  They cost a bit more ($4.95 vs. $3.95), but were otherwise basically the same idea as Vanilla Reload cards.  Unfortunately, crooks have found ways to use these cards to swindle people out of their money; to launder stolen credit cards; and more.  As a result, GreenDot announced in July that they would phase out MoneyPak cards early in 2015.  Instead of buying MoneyPak cards, people would be able to bring their prepaid reloadable cards (e.g. Serve, AccountNow, and many others) to stores that previously sold MoneyPak cards in order to “swipe reload” their cards at the register.

In my post on this topic, I wrote:

This is potentially a better solution for mile collectors than the CVS / Office Depot solution of not accepting credit cards for reload card purchases.  If you know of a store that currently allows credit card purchases of MoneyPaks, then swipe reloads might also be possible with a credit card.

In other words, if swipe reloads are more secure than reload cards, crooks may have less opportunity to ruin the good thing that mile collectors have been enjoying as they did with Office Depot and CVS.

Back to Vanilla…

The first announcement about the discontinuation of Vanilla Reload cards didn’t come from American Express emails to Bluebird and Serve cardholders.  InComm (the company behind Vanilla Reload cards) announced this change on November 5thYou can read about the announcement here.

The announcement specifically called out the end of Vanilla Reload cards, and specifically called out fraud prevention as a reason:

InComm’s swipe reload program eliminates opportunities for fraud and scam artists to take advantage of unsuspecting customers through the use of reload packs. As part of this effort, the company will remove reload packs from all retail stores by March 31, 2015.

Two positive messages from Incomm…

While the upcoming demise of Vanilla Reload cards is bad news for those few with a good source of reload cards that can be bought with credit, I think there is reason to be optimistic about new opportunities arising.  Here are two messages that I get from InComm’s announcements:

The number of locations for swipe reloads is increasing rapidly

The announcement says:

InComm, a leading provider of integrated point-of-sale (POS) technology solutions to retailers, announced plans to add over 15,000 more swipe reload locations to its Vanilla Reload network

I believe this means that Incomm has signed up at least one, if not several, major retailers that weren’t part of their network before.

Reloads go upscale

InComm has found that reloadable cards are going mainstream.  In this announcement, InComm wrote about “GPR” cards, which are “General Purpose Reloadables” like Bluebird and Serve (bolding is mine):

Previously,GPR cardholders tended to be un- or underbanked consumers.  This is no longer the case. According to new research, GPR usage is significantly accelerating among middle and higher income households that have checking accounts. These consumers are seeing multiple benefits of using GPR cards, including easier budget management and security.

Taken together…

So, InComm has signed one or more major new partners.  And, InComm is going out of its way to say that these products are not just for the poor anymore.  I believe this means that there’s at least one major new partner that typically serves middle and higher income households.  Starbucks, perhaps?  And, whoever they are, will they take credit cards?  I’m hoping and betting that the answer is yes.

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Back again. I hope I made myself plain in the first email. Can you just have the card number and reload from a checking account? Or do you have have to go to a store? My boyfriend is in another country and needed to know. Also can these cards be used at atm? Was hoping hoping t9 do these transactions from where he is. He will only have card number. Can you ànswer?

ke ke

So after paying for the up load on the card wat will ur balance be


Well I find it Stupid its just lazy on there part What if I need money loaded from someone else in a diff state or country ect… You made it more profitable back to money gram or western union I cant have the freedom of loading on others if they need it without the scratch pin f%$k credit card users #Welp


I was still able to purchase vanilla reload pack from my source and load it with a pin as of today….any other data point?


Ok people lets break it down so even a baby would understand. The vanilla visa prepaid card is not going anywhere. what is changing is how you reload it. they are doing away with the reload cards that have a pin on them (the same type of cards you can get your prepaid cell service with) same principle in the card and From now on you have to Swipe at the Register and pay the cashier the amount you want on your card. That doesnt mean that you wont be able to use your Credit cards to Load your prepaid it is completely up to the Store you are Reloading at. So if you want to Reload with a Credit Card find that Store that will do it and never let it Go.


Anyone try to load a Bluebird with a credit card at Walmart??


I was still able to purchase vanilla reload pack from my source and load it with a pin as of today….any other data point?


I am confused.Is vanilla reload PIN cards the same as onevanilla cards that you can use to set any pin on your first use?


So the onevanilla will continue to be sold at stores that have it. It is the vanilla reload with PIN that will not be available after april 1.Correct?


Amar that is correct. You might still see some ads for the reload at places like Kroger, but this has been discontinued. Just normal OneVanilla cards can be purchased now.


Is vanilla reload PIN cards the same as onevanilla cards that you can use to set any pin on your first use?


Can you reload my vanilla cards from a checking account at home. My boyfriend is in another country and he was going to try to load the card I have from here in usa. He needed to pay a bill. Can he do this. And what is the limit of the Amy you can put on the card. I am new to this. I have not activated it yet. . He was just wanting the numbers off the card to do it that way. Advice please

[…] after seeing these, I thought of Frequent Miler’s post about the death of Vanilla Reloads. In that post, he quoted Incomm as […]

[…] Frequent Miler noted that Incomm is increasing its retail network for loading these things. He wrote: […]

[…] on the heels of GreenDot and Incomm in replacing reload cards with reloads at the register (see “Vanilla Reload cards gone by April 1. Here’s the good part…”).  In PayPal’s case, there is no prepaid card to hand to the cashier so, instead, the […]

Scott H

2nd try at this post…. Greg, check your own archives…. for item from Jan 24, 2013 (almost 2 years ago). There you wrote about “Pursuing the other Vanilla Reload Card.” (which you load to Serve via “swiping” at point of sale)

Unless I’m more confused that usual, THIS version of the VRLC will continue — and indeed, become even more widely available.

Scott H

This is interesting — and yet confusing. With respect, may i suggest you’ve misread what’s ending and what’s continuing, that your report of the death of the Vanilla Reload Card is premature.

I think we had preliminary discussions here earlier this year about the “swipe” version of the Vanilla Reload cards — the ones with a different color scheme, and without the scratch off pin on the back. Family Dollar and a lot of gas station chains (here in VA anyway) ARE selling the VRL/Swipe and they can load for you right at point of sale — but NOT to your bluebird card, but yes, to your AMEX SERVE card.

Going forward, are they still going to continue calling the “swipe” version of the product a Vanilla Reload card? If I’m right, the answer will be yes. If so, you may wish to to edit and amend the title of your post…. If my hunch is correct, what’s ending is the “pin-enabled package” version of the vanilla reload card. (but the swipe version will give it a new and expanded lease on life)

Scott H

I could be wildly misunderstanding something here, Greg, but I dug further into your archives, and I see that almost two years ago, you wrote about “the other vanilla reload card”

This is the VRLC version that I surmise will continue….

[…] heard about Vanilla Reloads’ pending demise (we have a date – 1 April 2015), although FrequentMiler is more […]


Several weeks ago I tried purchasing one of the new VR’s at dollar general the cashier let me pay with CC but after swipeing my serve card then the CC a error came up saying my serve card was invalid!! I have used the card before and after this with no problems.


Any suggestions in the Detroit metro area where VR’s are still being sold on credit, as I have tried numerous 711’s, Valero’s, etc. with no luck? 🙁