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Has anyone closed their account after receiving the AA points – Is Citi going to claw points back should you close account after receiving miles?


i am wondering the same thing… just got my points ready to close.


5/13/23: account opened
5/22/23: 2600 pushed from Fidelity
5/24/23: 15 pushed from Fidelity
5/25/23: $1001 in 2 debit card transactions (1 amazon, 1 in store)
8/25/23: 60,000 points in AA account



Happy to report – 110 days after day of opening account both my wife and I received yesterday the 60K each in our AA account – I’m sure it took us about 2-3 weeks to complete deposits/spends – So 90 days from completion is just about right.


Hi! How did you do the deposits? I am hoping zelle qualifies as an enhanced direct deposit


Haven’t received miles after 90 + days, even though all requirements met in 30 days. Now being told my qualifying deposits were not the right type even though i called them to verify prior to wasting my time. They now have to do an investigation after my hours on the phone. The first service rep hung up on me when i asked to speak to a supervisor. I am reporting Citibank to the American Marketing Association as a bait and switch fraud scheme, as well as the FTC and banking regulators. This seemed like an easy 60K miles, which has turned out to be a pain. Will make sure Citibank gets all the press three deserve on social media.

Nita Turpin

So how did you reach them?


I finally received my 60K bonus miles – 90 days after opening the account; nearly 60 days after meeting all of the requirements. I spent several very frustrating hours with support arguing that miles should be awarded 30 days after meeting the requirements; but they just kept telling me that the account had to be open at least 90 days. So, if you’re inside the 90-day window – I’d recommend just waiting it out and avoiding the hassle of support calls.


Same here!


Thanks so much for this! I was debating making the phone call, haha

Susie Q

Has anyone gotten the promo after 60 days? We forgot about it, and wondering if they’ll still honor it if we do it.

Joan Arbor

Did anyone have good or bad luck with getting the bonus miles lately?

I have encountered lots of issues with Citibank since I opened my checking acct due to their over-reacting fraud protection system. I never had any issues with Citibank credit cards before.


I finally got my miles posted to my account this morning from this bonus. I met the requirements at the end of April. It’s annoying because the email clearly states, “YOUR AAdvantage® bonus miles will be credited to your AAdvantage® account within 30 calendar days from the date you complete all required activities”. I’ve been waiting so long that the number of miles I needed for my trip have gone up 10k. The agents always gave me different answers. Now that I have my bonus, I have to find out if there is claw back period if close my account

Last edited 1 month ago by Amanda
Joan Arbor

Amanda. Thanks for the update. According to the T&C, the acct needs to stay open till the miles are awarded. So I’d think you can close it now without any penalty. But you better check with Citi. Good luck.


Exactly same issue here. I completed all activities on June 30. The promo clearly states bonus miles are to be credited into my mileage account “within 30 calendar days from the date you complete all required activities.” Spent all day on the phone and at a branch I’m now told to expect miles sometime on October! Never going to give Citibank another chance.


So how long after u completed ur requirements did they finally give you ur points? I’m in the same boat. Completed the requirements at end of May and still waiting for my points. Have called them multiple times about this and all they say is that they put in an investigation. Needing these points for my honeymoon. So frustrating!


Hi Joan, I FINALLY got my miles today. My account has been open for 99 days. Now I’m trying to figure out if I can close the account without losing the miles because I’ve not had a great experience!


Here is a link the T&C. Fingers crossed CITI applies the points. Seems easy enough…

Joan Arbor

Thanks for sharing. It’s always a good idea to capture sucn info because it may not be available later. I’ve saved it on my C drive.


The agent I chatted with yesterday let me know the only purchases that count to this bonus are transactions where a PIN was entered. Anyone else have this experience? Having a hard time finding places to spend that require me to put in my PIN.

Joan Arbor

I just finished talking with an agent. He insisted that purchases without a PIN still count toward the bonus requirement.

I never used a debit card before. I assume the transaction form printed by some merchants do not have a PIN field. What about online purchases? Do you have to enter a PIN for them?

The rep told me that paying utility bills is not considered a purchase.

The purchases need to be within 90 days from the day I opened the account. It took me 10 days to just get my card and get my checking account number. After I transferred money from an external account to this account, it will take 4 more days for the funds to be available. Additionally, I will be vacationing abroad for two weeks in August. I can’t use this debit card because there is a 3%’s foreign transaction fee.

I am not a big spender. I will have to buy things I don’t need in order to make $1000’s purchase in such a short period.

By the way, will Citibank report the miles to IRS? I read that bonus miles that require purchases are not taxable.


Thanks for your input. I just chatted with another Citi rep and they instantly said I already met all the requirements. Still no miles though, so we’ll see. I don’t think the miles count as income because they are spend based.


I have just called Citi and I was told the miles should be on my account no longer than 90 days after opening my account if the qualifying activities were completed within that timeframe.


Each time I’ve tried to sign up via the email link I received, it takes me to where I put in my info, but them next it blocks me and gives me an error code? Anyone else experience this? maybe it’s a sign to not sign up for this.


Do money order purchases count as debit card spend??

Joan Arbor

From T&C: “Qualifying purchases are signature or PIN based debit card transactions. ATM withdrawals, cash back and bill payments do not qualify”.

A money order purchases is similar to an ATM withdraw to me. But it’s solely Citibank’s discretion. I wouldn’t count on it. If you are serious about the miles, try other purchases.


I fulfilled my requirements on 5/23 of this year and it’s now 6/29 and I still don’t have my miles. I’ve reached out three times now. Now they say they will get back to me in 5 business days. It definitely says you will be awarded on the 30th day it says nothing about being awarded on the 90th day as someone mentioned below. To those who received it, you don’t need Citi gold for the 60,000, right? And how long did it take to get the miles?


please keep updating I have met requirements on may 31 and there is no sign of bonus terms specifically say 30 days


I was told the same thing, “you have met all the requirements and the points would be elgible on 6/30”. now July 11th and I called back and was told again, yes i have met all the requirements and they are not sure why the points wont post to my AA account. Told me they have now started a rewards point dispute and was given a claim number and told to wait 5 days for resolution. really frustrating getting the run around with this.


I received a letter that they concluded the investigation and the answer was to just keep waiting. Ugh


Update: after about 75 days, multiple calls the points finally showed up. Not impressed with how long it took. Closing the checking account now because of the complexity and difficulty of this free promo.


Don’t do it! I got my miles 95 days after opening the account. Despite the fact that the email says 30 days, the bonus came exactly 90 days after I completed the requirements.


I qualified 75 days ago and still don’t have my miles! I’ve checked with an agent that I did qualify, they all just keep telling me to wait….


After 99 days of my account being open I finally got my miles!


Before I waste my time – anyone see this? it’s in their PDF fine print .

looks like you have to open citigold to get the 60k

Citigold® 60,000 $1,000 And 1 or more for 2 consecutive calendar months
Citi Priority 50,000 $750 And 1 or more for 2 consecutive calendar months Citibank® 30,000 $500 And 1 or more for 2 consecutive calendar months
Basic Banking 5,000 $125 And 1 or more for 2 consecutive calendar months 


Pdf linked is an offer from last year–this year is much more accessible


I asked a few agent about the requirements. They all told me that my ‘Access Checkless Checking’ can get 60,000 miles. By the way, it is great that you printed it. I did not print it and now I can’t see the requirements because the offer is no longer available to me (I already signed up).


Direct deposit requirements completed on May 24 (push from Fidelity brokerage), and debit card transactions completed on May 25. I sm with Citi to confirm I met the requirements. Now we wait on the points…


Any update on miles being put into your AA account. IM assuming that it is 30 days after the statement period which is at end of month usually.


no miles for me yet. My statement cut on June 13


I believe the account has to be active for 90 days. Then sometime after that the points will be awarded.


I read it 5 times at least and it says you just have to make the purchases and the deposits within 90 days of opening!! Nothing about waiting 90 days


I done the zelle method from my BOA bank to this one. You think that consider the enhanced direct deposit?


I…guess? 🙂 It seems pretty generic. I did a push from Fidelity.


Do the deposits have to be at least a 1,000 each or total to be 1,000 together?


$1,000 total. so for example I did 4 deposits of $250. Just as long as it equals $1,000 you will be good.


What does a “qualifying” Debit charge entail? Does it have to be PIN associated or just run and signed for like at restaurants for example?

Last edited 3 months ago by Shannon
Amber Ward

I was going wondering this too!!


Both should qualify. Here’s the full terms for this section:

> “Qualifying Purchases” are those made using either your Citibank® Debit or ATM Card to buy goods and services and are net of returns and other adjustments at the time of qualification. Qualifying purchases are signature or PIN based debit card transactions. ATM withdrawals, cash back and bill payments do not qualify. Person-to-person money transfer applications will not constitute a qualifying purchase. Qualifying purchases are determined in Citibank’s sole discretion and must post to the new account within ninety (90) days of account opening. Qualifying card purchases are on a per account basis and based upon all card purchases by all customers when the new checking account is the primary account linked to the customer’s Citibank Debit or ATM Card.


Great! Thank you so much! I couldnt find that anywhere.

Joan Arbor

This is the first time I charged things to my debit card. I noticed that they showed on my account summary as ‘Pin purchase’, although some of the payment did not require pin (e.g., dinner at a restaurant). I called a Citibank rep once and he said signature purchases count as a qualifying purchases.


It says “make debit card purchases in the specified amounts (see chart below)”, but for whatever reason I’m not seeing the chart on the site. Can anyone provide this chart for me or point me in the direction or another site where I can view it? Thanks in advance.


It’s super hidden, and I’ve spent a significant amount of time looking for it.

Did find it in my main email. Just type in “60,000” in the search bar and your offer for it should pop up. Click on the link and it’ll take you to the page with a chart even if you already opened an account.

Highest: 60,000 points – 2 Deposits of $1,000 each

Lowest: 5,000 points – 2 Deposits of $125 each

Definitely just recommend going for the top tier just for the return though.

Last edited 4 months ago by patrick

60,000 miles – $1,000 debit spend And 2 or more Enhanced Direct Deposits totaling $1,000
50,000 miles – $750 debit spend And 2 or more Enhanced Direct Deposits totaling $1,000
30,000 miles – $500 debit spend And 2 or more Enhanced Direct Deposits totaling $1,000
5,000 miles – $125 debit spend And 2 or more Enhanced Direct Deposits totaling $1,000 or more

I think this is on the site somewhere when signing up, I also received an email with this information.


any easy way to get $1000 debit card spend? …paying the rent using debit card can count?


sure, it should!

Amber Ward

Does it have to be a purchase using debit pin # or just usual purchases with the debit card even without the pin? Online, restaurants, etc?


$1,000 in stores that require a pin or can use the debit card as credit (doesnt require pin)


I venmoed my husband $1000 (with my debit card as my payment source) and that worked. Easy way to meet the requirement


You said “credit card spend” instead of “Debit card spend” for the 1k spend requirement.


FYI, I don’t think it’s 180 days, I think it’s 18 months:

“QualifySo long as you have not owned a Citi checking account in the last 18 months”


You have to have this account open for 90 days to get the bonus, but cannot have taken this offer in the last 18 months I believe.


My partner received the offer but I used it by entering the code and it went through. Do you think Citi will void the offer?

Jethro Bodine

Citi is likely using opaque terms and conditions in order to lure $$ with little intention of offering 50 or 60 k points.


I have received 2 offers at the same time on my card – 50,000 miles for opening savings account and 50,000 miles for opening checking account. Can I use both offers at the same time and earn 100,000 miles? My spouse did not receive miles offer but cash offer for opening an account.

Last edited 4 months ago by Samuel

I would presume so, I also received both invites. I still get the Savings offer emails even though I already opened the checking.


Where in the T&C does it specify about the 120k rule? I scoured the T&C of my offer and saw no such language?


About 20 months or so ago, I bit on Citi’s offer for setting up a savings account. It took me 6-7 months to get my points after bugging them several times. Good luck to all. Ironically, I just canceled the very card that qualified me for that offer in protest for Citi’s rejection of my wife’s application for the 75,000 mile offer because (i) she keeps her credit % usage low (for credit score purposes) and (ii) she recently got “one or more” credit cards. [The most recent one was about 17 months prior to her application!] BTW, I still have and use the Barclays card, so my cancellation was not that irrational.


thanks for this information your article are very informative i like it


Since it states 120k max miles; what happens if you apply for two other bonus earning citi aa cards after earning this checking bonus ?
You’re capped at 120?


I don’t think it’s related to credit cards; maybe other savings/checking account offers and any other random offer they might have.


I received the Citi checking bonus 2 years ago. Although I maintained the minimum balance, I kept getting charged the $30 maintenance fee for 4 or 5 months. Every month I would call in to get credited and they would assured me that I would not be charged again. After 5 months of having to call in for credits, I decided to closing the account was the only way to fix it.

Joan Arbor

Sigh. Be happy that 1) you got the bonus miles. 2) You did not have to pay that $30. Yes. You went through a lot of troubles. I have spent at least 20 hours calling Citi’s tech support in the past month. Some of my problems were never resolved. Some were, temporarily, only to come back within 10 minutes.

My husband and I got bonus miles from Citi a few times in the past for opening credit cards. We never had any issues. Citi’s banking system is the problem.


Good luck if anything goes wrong with Citi. Took 6 extra months of letters and calls to get my checking bonus. Even paper letters were answered with a bot-like response.


Would love to know if sending money from your own PayPal or zelle account works to meet that enhanced direct Deposit requirement


it should if you read how they define: “enhanced direct deposit” cheers…