Category Archives: Suntrust Delta Debit Card

Bad News for Suntrust Delta Debit Cardholders

Thanks to Million Mile Secrets reader Brant for letting me know about changes to the Suntrust Delta Debit card.

This card hasn’t been open to new applicants for a while, but folks who have it will NOT be happy.

Starting July 25, 2015, there will be a limit to the number of Delta miles you can earn per month.  The annual fees are increasing, and some cardholders will earn fewer miles per $1 they spend.

Bad News For Suntrust Delta Debit Cardholders

The Suntrust Delta Debit Card Won’t Be as Easy a Way to Earn Delta Miles After July 25, 2015

I’ll explain the changes!

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You’re Running Out of Time for the Suntrust Debit Card

Delta Points wrote that soon may no longer be able to get the SunTrust Delta Skymiles Debit Card.

And today, View From the Wing, writes that the SunTrust debit card is no longer available on the Suntrust website!  But there still might be a way to get the card.  This is the best card to pay your taxes with because you pay only ~$3 for up to $35,000 in tax payments which earn ~35,000 Delta miles!

You're Running Out Of Time For The Suntrust Debit Card

SunTrust Delta Debit Card: Are Its Days Numbered?

The card is being phased out quickly, but you still may be able to get one by calling Suntrust at 877-809-5248 for a personal debit card or 888-454-0611 for a business debit card.  But hurry if you want one!

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How to See if Your Credit, Debit, & Gift Card Tax Payments Are Received by the IRS

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I’ve written before on how to use the Delta debit card to earn miles while paying taxes and how to select the top credit cards to use to pay your taxes.  Frequent Miler has also written on how to use gift cards to pay your taxes.  You do pay a fee for using a credit card to pay your taxes, but it could be worth it to complete the minimum spending on your credit cards or to earn airline and hotel perks.

The IRS website suggests that you can make 2 estimated tax payments per quarter using a credit card, but readers commented that you can make more payments with a credit card or a gift card by:

  • Using each of the 4 different tax payment providers to make 2 estimated tax payments per quarter online for a total of 8 online payments
  • Calling each of the 4 payment processors and have them process additional payments over the telephone

Note that not all providers offer the same fee for using a credit card and the flat fee of $3.49 for using your debit card.

But talk to YOUR accountant or lawyer before making more than 2 payments per quarter with a credit card towards your quarterly taxes, since the IRS rules aren’t very clear on what is the maximum number of payments allowed. Continue reading

Vanilla Reloads Removed From Office Depot & Other Alternatives to Load Your Bluebird Card

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Thanks to everyone who emailed and commented about their experience buying Vanilla Reload cards at Office Depot.

Unfortunately, many Office Depots removed the Vanilla Reload cards & stopped selling Vanilla Reload cards yesterday.  We’re not sure about the exact reasons, but readers report being told that Office Depot was concerned about fraudulent purchases.  However, a small percentage of readers still found them at Office Depot, but I wouldn’t expect this to last much longer.  But there are still ways to take advantage of American Express Bluebird.

I suspect a larger reason is because lots of folks were buying Vanilla Reload cards with a Chase Ink credit card to earn 5X points.  Frequent Miler wrote about this in May, but I never wrote about it in detail (I may have mentioned it in passing) until American Express Bluebird arrived in October.

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I Earned Delta Miles for Reloading American Express Bluebird With my Delta Debit Card at Wal-Mart

[Emily & I do NOT get a referral for the Delta, Alaska Air, or American Airlines debit cards.]

As soon as I got my American Express Bluebird card, I reloaded it with 3 miles earning cards – the Suntrust Delta debit card, the Bank of America Alaska Air debit card, and the UFB Bank Airlines Rewards Checking account which earns American Airlines miles.

It costs $2 per debit card load to load your Bluebird with a debit card ONLINE, and you are limited to $100 per day and $1,000 per month, so I don’t recommend this method.

However, you CAN load your Bluebird card with a debit card for FREE when you reload at a Wal-Mart store.

Bluebird Delta Debit Card

I Earned Delta Miles for Loading my Bluebird With the Delta Debit Card

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How to Earn LOTS of Points With American Express Bluebird for Mortgages, ATM Withdrawals, Rent, Loans, & Almost ALL Transactions!

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My American Express Bluebird prepaid card showed up in the mail today and I have lots of good news to share!  Note that if you already have an American Express Serve account, you have to cancel your Serve account before applying for American Express Bluebird.

I successful loaded my Bluebird prepaid card with mile earning debit cards at Wal-Mart for no extra fee.

Load American Express Bluebird with Miles Earning Debit Cards at Wal-Mart!

And I also loaded my Bluebird account using a Vanilla Reload which I bought from Office Depot using my Chase Ink Bold.  Note that this option is no longer available, but you may be able to find Vanilla Reloads at CVS, Walgreen’s or other locations. 

Successfully Loaded American Express Bluebird with Vanilla Reload Cards

Next, I paid $100 towards my Chase credit card bill (as a test) and withdrew money from an ATM using my Bluebird card!

And I was extremely excited to earn 5X Chase Ultimate Rewards points (which can be transferred to different airlines and hotels including, United, Hyatt & Southwest)  for both these transactions which otherwise would never earn miles and points!

If you earn 5X Ultimate Rewards points on only $2,000 per month (easy to do when you can pay rent, mortgages, loans, credit card bills, and regular purchases) with Bluebird, you earn 120,000 Chase Ultimate Rewards points a year.  That is enough for a business class ticket to almost anywhere on United, 5 nights at a top Hyatt category 6 hotel, or ~$2,000 in travel on Southwest!

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$0.88 Debit Card Fee = LOTS of Delta & Alaska Air Miles For Mortgage, Car & Student Loan Payments!

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It is usually hard to earn miles and points for making mortgage, student and car loan, and utility payments.  Sure, you can pay a fee to use a credit card which earns miles and points, but you usually will also pay a ~3% convenience fee which is almost always worth more than the miles and points earned.  However, it could make sense to pay the convenience fee to help get the sign-up bonus from a credit card.

I wrote earlier about using ChargeSmart to pay student loans, and how to reduce the cost by using the Chase Ink Bold or American Express Blue Sky Preferred.  But that isn’t always convenient.

Well, here’s an easier way!

Wal-Mart Money Center

Wal-Mart has a Money Center where you can cash checks, buy money orders, and pay bills through their Bill Pay service.

Walmart Money Center

Walmart Money Center

The Money Centers are usually located in the customer service center or next to it.  You have to go a physical Wal-Mart store to use the Wal-Mart Bill Pay service.  You also have to have a debit card with a PIN to use the Bill Pay option and you can’t use a credit card to pay bills. Continue reading