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How to Get a Refund on Your Citi Credit Card’s Annual Fee

How to Get a Refund on Your Citi Credit Card’s Annual Fee

Million Mile SecretsHow to Get a Refund on Your Citi Credit Card’s Annual FeeMillion Mile Secrets Team

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

You can get a partial refund on your annual fee when you cancel a Citi card.  This is even if you cancel it after 6 or 7 months!

You Can Get a Pro Rata Refund When You Cancel a Citi Card

Citi Refunds Annual Fee on Credit Cards

Link:   Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Link:   Citi® Hilton HHonors™ Visa Signature® Card

Link:   Citi® Hilton HHonors™ Reserve Card

Link:   Citi ThankYou® Premier Card

You get a refund on the unused portion of your annual fee when you cancel a Citi card.

I don’t cancel credit cards until I’ve had the card for ~8 to 10 months.  Then I evaluate if the benefits of keeping the card (priority boarding, free hotel night, etc.) are worth the annual fee.

Sometimes the benefit is worth keeping the card, but other times it’s not.  But before you cancel a credit card, you should make sure you won’t lose your miles and points.

And it’s easy to cancel a credit card before your annual fee posts.  You should call ~2 to 4 months before your annual fee is due.

When you cancel a personal Citi card, you can get a refund on the unused portion of your annual fee.  However, per this Flyertalk thread, you can NOT get a partial refund on the annual fee on a Citi Executive card.  You will get a refund IF you cancel the card within 37 days.  After 37 days, you will NOT get a refund for the $450 fee on the Citi Executive card.

To cancel a Citi card, you should call the Citi retention specialist at 800-444-2568.

Partial Annual Fee Refunds on Other Credit Cards

You can also usually get a prorated refund of the annual fee on AMEX cards.

With Chase credit cards, you usually have to call within 30 days of the annual fee being charged to get a refund on the annual fee.  If you do NOT call within 30 days, you will NOT get a refund.

Bottom Line

You can get a prorated refund on your annual fee when you cancel a personal Citi credit card, like the Citi Hilton Reserve card.  But you will NOT get a partial refund on the annual fee on a Citi® / AAdvantage® Executive World Elite™ Mastercard® UNLESS you cancel your card within 37 days.

You should evaluate whether the benefits are worth keeping before you cancel a card.   Usually you will NOT lose your miles and points when you cancel a credit card, but you should double-check.

You can also get a partial refund when you cancel an AMEX card.  You have to cancel a Chase credit card within 30 days of paying your annual fee or you will NOT get a refund.

What’s your experience with getting an annual fee refunded when you cancel Citi credit cards?

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I have a Chase United Mileage Plus card, and the annual fee posted > 30 days ago, but less than 60 days. Can I still cancel and get a refund ?

I can call and ask, but I don't actually want to cancel now if they aren't willing to refund the fee.

Also, I want to book a flight on United. I can get miles through Chase Preferred, but MileagePlus also gives me premier access for free. How much does United charge for priority boarding on a single international flight ?

@Jimmy - The extra 7 days are to cover the delivery time. But we all know the card got delivered very quickly.

@meir, I got the same response from Citi rep that it's 37 days from when the AF posted. Just curious, why 37 days and not 30 days?

@Darius I called Citi today and was told 37 days from when the Annual Fee appears?!!

Chase is more than 30.

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