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Up To 50,000 Miles From Fidelity

Up To 50,000 Miles From Fidelity

Million Mile SecretsUp To 50,000 Miles From FidelityMillion Mile Secrets Team

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Update:  Readers have reported not getting the full amount of miles if they use or withdraw any part of their initial deposit.  So don’t withdraw or use your deposit until the miles have posted to your account.

Fidelity Miles

You can earn up to 50,000 American Airlines, Delta, or United miles when you open and transfer money into a non-retirement brokerage account with Fidelity.  You can even get the miles when you add money to an existing Fidelity account.

You can also apply for either the same offer or a different offer 12 months after you finish depositing the money to get your miles.

Fidelity says that it can take up to 8 weeks to get the miles in your account.

Fidelity Miles1
Fidelity Gives You Miles For Your Money

You earn miles based on the amount you deposit in your account:

  • 15,000 miles for a $25,000+ deposit
  • 25,000 miles for a $50,000+ deposit
  • 50,000 miles for a $100,000+ deposit

When the offer was first introduced, you could get the 50,000 miles by making one small deposit and taking the money out of your account and redepositing the money.

This meant that you could deposit $10,000 and then withdraw and re-deposit the $10,000 until the total amount deposited into your account was $100,000.

But Fidelity no longer allows you to cycle funds in an out of your account.  You have to deposit the FULL amount to get the miles.


Your investment decisions are MUCH more important than earning extra miles.  There is NO point in opening a Fidelity account if it will make it harder for you to manage your investments or if you will make riskier investments just for the miles.

The amounts involved are large, so please do your own research and talk to your financial planner before signing up for a Fidelity account.

1.   Up To 50,000 Delta Airlines Miles

Link: 50,000 Delta Miles

You can get up to 50,000 Delta miles when you open and transfer money into a  non-retirement brokerage account with Fidelity or add money to a current account by February 14, 2014.

Open An Account With Fidelity And Get 50,000 Delta Miles

2.   Up To 50,000 American Airlines Miles

Link: 50,000 American Miles

You can get up to 50,000 American Airlines miles when you open and transfer money into a  non-retirement brokerage account with Fidelity or add money to a current account by September 30, 2014.

You Can Get 50,000 American Miles From Fidelity
You Can Get 50,000 American Miles From Fidelity

3.   Up To 50,000 United Miles

Link: 50,000 United Miles

You can get up to 50,000 United  miles when you open and transfer money into a  non-retirement brokerage account with Fidelity or add money to a current account by October 31, 2014.

Get 50,000 United Miles When You Open A Fidelity Account
Get 50,000 United Miles When You Open A Fidelity Account


1.   New Money

You must deposit new money (money from outside of Fidelity) within 30 days of registering for the offer AND the money must remain in your account for 6 months.  If you use “old” money or withdraw the money before 6 months, Fidelity will take back the miles and you will likely not be allowed to participate in the promotion again.

This thread from Flyertalk recommends transferring stocks, bonds or mutual funds instead of depositing cash in your Fidelity account.   Cash could be considered “old” money and may not get you the sign-up bonus for the second time.

If you are applying for the offer for the first time, you should be fine with depositing cash.

2.   Once Every 12 Months

You can only participate in one promotion every 12 months.  The terms and conditions say:

Promotional offers are limited to one per individual per rolling 12 months.

You can get 1 bonus every rolling 12 months per social security number.

So you could either get the same offer every 12 months, or you could choose a different promotion.

3.   Exclusions

Unfortunately, retirement accounts are excluded from this promotion, so it is hard to find the money to deposit with Fidelity.

Certain types of accounts are excluded:

  • Business accounts
  • Trust accounts
  • Mutual fund only accounts
  • Retirement accounts
  • Fiduciary accounts
  • 529 college savings plan account
  • Fidelity accounts managed by Strategic Advisers, Inc.
  • Institutional Wealth Services (IWS) clients
  • Clients of registered investment advisors working with Fidelity Investments
  • Annuities
  •  Stock Plan Services accounts

Bottom Line

Getting up to 50,000 miles for opening a non-retirement account is a good deal.  But make sure that you are NOT doing anything silly with your money just to get the miles.

Your money and investment decisions are much more important than earning miles!

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Really, Chister? The terms still say "Promotional offers are limited to one per individual per rolling 12 months."

Like all good things, this deal has ended a few weeks ago. One can only apply for it once per SSN- no more recycling $ every 12 rolling months.

Questioned answered by Fidelity: No. One account per client per 12 mos, can't open different accounts and receive miles from different airlines within the 12 mos.

Million Mile Secrets

@Nancy - It is only 1 account per rolling 12 months with Fidelity.

Hi Daraius. Thank you for all the great info. I just applied for three cards through your site for the first time.

Regarding the Fidelity promotion, just a clarification. The information states one promotion per 12 months, but, in a response above, you state "once per year per airline." So, would it be possible to open an account now for one airline, say UAL, and receive miles, and open another account in a few months and receive miles for another airline? If it's once per 12 mos for any and all airlines, I'll wait, but if it's once per 12 mos per airline, I can transfer a lesser amount now for one airline, another account later for another airline. Thanks.

Does the money need to be invested, or can it just sit in the Fidelity account?

Million Mile Secrets

@scott - I believe you can fund the account and let the money be.

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