28 thoughts on “My Experience with the Citibank Citigold 30k American Airlines Offer & Funding My Account with a Credit Card

  1. wil usairways barclayscard work with this? Am thinking about open up citigold with 30k AA bonus points

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  2. why 1,000 I just did 35,000 on arrival – I hope it works that’s $770 in points

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    • I was conservative as I couldn’t find any data points of Barclays working (this was before Doctor of Credit had updated his post). If it I did it now, I’d probably do the maximum I could and pay it off before my Arrival statement closes.

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    • Would you be willing to share a screenshot of the 35k that posted as a purchase on your statement?

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  3. […] I’ve since had a reader email that they were successful doing this, and PointsCentric writes about this as well. […]

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  4. I wasn’t targeted for the 30K AA Citigold account but I know people who have called in to open the account and get it over the phone. Is it possible to fund via CC when opening a Citigold over the phone? Or is it online only?

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    • Not sure… To fund online you have to fax in a form so I imagine the rep could give you same option to fax in deposit form with CC authorization. I would think this works for all accounts but I haven’t tested kt

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  5. Also, I have a few citibank basic checking accounts. Your point #2 states that you can fund any citibank checking account with a CC, not just Citigold. I recall when I went to open another basic citibank checking account online with a few clicks, there were no options for me to fund it with a credit card. Maybe this option is only when opening a checking account for customers without any existing checking accounts?

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  6. […] points has decreased significantly in recent years, but PointsCentric reports success in funding a Citibank Citigold AA checking account with a Barclay Arrival card, and have it code as a points-earn…. There are reports that you can fund an account up to $75,000 in this […]

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  7. If I wanted to do this, would I go to the CitiBank website and find a link for a CitiGold checking account to get started? I’m assuming once you start the process there is a link or icon for funding and that’s where you’d input your CC info? I’ve already set my cash advance limit to zero. Thank you for any details in advance.

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    • No in the application process it will ask how you want to find the account. If you choose CC, it will give you a form to download and you must mail or fax it in

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      • A few more questions if you don’t mind. Although my CA is set to zero on my US Airways Barclay card, I don’t use it often. If I call them ahead of time and tell them I’m going to be making a large purchase in order to circumvent a fraud alert, what would you suggest I say when they ask what the large purchase is for? Obviously I don’t want them to question me but they typically do. Do you know whether there are any tax implications when loaded over $11k into a checking account and finally, when you opened yours and then paid the CC off, did you use a check from your new account to do so draining the account to say $50? Thanks in advance…sorry if any of these questions are naive but I don’t want to make any mistakes.

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        • That’s a tough one because they need to know the vendor and I can’t think of a great way to safely explain a large charge at Citibank. I would just chance it and hope it doesn’t get declined. I don’t think there will be tax implications as I don’t believe Citi will issue 1099s for this but that could change. Since I only charged $1,000 I didn’t use a check from the new account and just paid my CC bill online from my normal bank account. Hope this helps

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          • This really helps, thank you! I’m just wondering if it would set off any alerts if you open a CitiGold checking account with say $10k from a CC and then pay it off your CC with a check from the checking account. Hmm…

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  8. […] I opened up my Citigold account for 30,000 American Airline miles, I had my eye on applying for the Citi Prestige credit card as a Citigold member since Citigold […]

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  9. […] I opened my Citigold account to take advantage of the 30k American Airlines offer, I also did it knowing I was going to apply for the Citi Prestige in the next month or two. By […]

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  10. I applied for CITI Gold online with this promotion. But during the whole process, their system didn’t ask me for AA account number. I doubt how they credit miles to me after meeting the requirements. Do you have the same experience?

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    • I haven’t met the requirements but I will followup on what happens. I wasn’t initially enrolled in promotion so I would call Citi and confirm your entry in this promo

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      • I just call CITI Gold line. The lady there told me their system uses social security # to match up AA account. But I said the airline doesn’t hold my social and how they can use my social matching my account. That lady couldn’t answer.

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        • I would HUCA. That doesn’t sound right as who gives the airline their social?

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        • I know I’m replying to a comment that’s months old, but wanted to give an explanation incase anyone else comes across this site looking for info. Citi doesn’t need your AAdvantage number and only your social security number because the offer for the citigold checking account with bonus AA miles is a targeted offer to customers who already have a Citi AAdvantage credit card. They have your SSN and AA number from the credit card, so that’s how they can match your SSN to it when you apply for the checking account.

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  11. […] have some good news to share in regards to the 30,000 American Airlines miles promotion that Citibank offered earlier this year for opening a Citi…. As I’ve mentioned previously, my plan was to wait until the 30,000 AA miles posted and then […]

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  12. Just got accepted. Funded with Barclay Arrival + for $1000 too. Don’t want to burn my bridges, AoR today has me at 175k Bonus miles. Only decline was from Discover IT. 718 FICO? WTF? Amex Gold Biz 75k, AA Citi Premier 50k, Chase Ink Plus 50k. Thanks for all the good work you do!

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  13. […] this year, I detailed my experience opening a Citigold checking account to earn American Airlines miles and how I was able to fund it successfully with a credit card. Once the miles had posted for […]

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  14. jeannine_ebay@yahoo.com

    Does anyone know of possible to fund with multiple credit cards?

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  15. […] you get a reduced annual fee of $350. Last year, I was a Citigold member for about 3 months when I signed up for a Citigold account to earn 30,000 American Airlines miles and then I immediately downgraded my account to a Basic checking account (no fees if you keep a […]

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