[Citigold Checking] Earn 100k AAdvantage Miles or Thank You Points

In an October post we covered how you could earn a massive amount of points for opening the now expired Citi Executive AAdvantage card and a Citigold Checking account. The good news is Citi increased their bonus offer this week for the Citi Platinum Select AAdvantage card, so it’s a great time to pair up these two Citi deals. The best part about opening the Citigold checking account is that it can be funded with a Citi credit card! You can knock out the $3k spending requirements on the Citi Platinum Select card by funding your Citigold account. Earning 100k AAdvantage miles has never been easier!


50k Citi Platinum AAdvantage offer + $3k Minimum Spend + 50k CitiGold Checking offer = 103,000 AAdvantage Miles


American Airlines AAdvantage Platinum Select by Citi Citigold Checking

  • 50k miles after $3,000 spend in 3 months (Limited Time offer)
  • No annual fee the first year, then $95
  • 1st checked bag is free for you and four companions
  • Early boarding in Zone 1
  • No foreign transaction fees (New!)


Citigold Checking Account Citigold Checking

  • 50k AAdvantage miles after (Offer could expire at any time)
    • Spending $1k on debit card
    • Completing one bill-pay for two consecutive months on a non-citi account
  • Use code 42ERCWNQU6 during sign-up
  • $30 monthly fee is waived for the first two months
  • Only requires a soft pull (instead of hard pull) on your credit report so your credit score won’t be impacted



  1. Apply for the Citi Platinum AAdvantage Card. If you do not receive instant approval call reconsideration @ 800-763-9795.
  2. Apply to open the Citigold Checking Account. Make sure to use code 42ERCWNQU6 during sign-up.
  3. When applying for the Citigold account, you should see a button called promotional disclosures. This should include details of the offer. I recommend taking a screenshot or printing for recordkeeping purposes.
  4. Select to fund the Citigold account with a credit card. You can select the PDF link to fill out and call or fax into Citi. To send a free online fax use faxzero.com. You can only fund the Citigold account up to your credit limit. I’d recommend at least $3k to hit your minimum spend for the credit card offer. Make sure to contact CitiCards before you fund the account to notify them of the large upcoming transaction.
  5. Wait 48 hours and check to see if your credit card has been charged. If not call into CitiBank and they can process the credit card funding.
  6. You should receive your debit card in the mail as well as a checkbook. You will also get a letter with your debit pin. This could take 1-2 weeks. Be patient this isn’t as quick as getting a credit card in the mail.
  7. Set-up and complete one bill-pay for two consecutive months from your Citigold account.
  8. Spend $1k on the Citi debit card. You can use it for normal spending or you can use it to load Bluebird or Serve at Walmart.
  9. Once you’ve completed both monthly bill-pays, and $1k debit card spending, make sure to contact Citi through a secure message to ensure the points are posted to your AAdvantage account. There are reports of points that are slow to post.
  10. Once the points post to your AAdvantage account you can keep the Citigold account open or close it. Just a heads up that you will be charged $30 a month for the Citigold account after the first two months. You can close the account online through the Citi Secure Message system.


Thrifty Tip #1: Call CitiCards to notify them you are making a large purchase from CitiBank and set your cash advance limit to $0. This way you should have no issue funding your account. Do this before faxing the funding instructions to CitiBank

Thrifty Tip #2: You can also receive Thank You Points instead of AAdvantage miles with code 42ERCZ42PY. You could apply for the Citi Thank You Premier card, to earn a total of 103k Thank You Points. Just follow the same steps.

Thrifty Tip #3: Be patient as the debit card, debit pin, and checks can take over a week to show up in the mail.


Bottom Line

If you have not applied for the 50k Citi Platinum Select or the Citigold checking I highly recommend taking advantage of both offers while you can. This is a great opportunity to meet your credit card’s minimum spend and get 50k extra miles! The CitiGold checking offer takes a little bit more legwork and patience,  but it’s an easy way to quickly build up your AAdvantage account.


Questions? Let me know in the comments below!


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