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I’ve written extensively about the Citi Prestige Card, which I view as the all around most lucrative card out there, between the sign-up bonus, perks, and return on everyday spend.
The card has a $450 annual fee, though has so many benefits which more than justify the annual fee, in my opinion. These include:
- A sign-up bonus of 50,000 ThankYou Rewards points after spending $3,000 on the card within the first three months — those points can be transferred to one of their airline transfer partners, or be redeemed for $800+ worth of flights on American
- A $250 annual airline credit
- A fourth night free hotel benefit
- The most comprehensive Priority Pass membership offered by any card
- A $100 Global Entry fee credit
The single benefit on this card I’ve gotten the most value out of has been the fourth night free hotel benefit.
I’ve described this benefit in great detail, though it’s still something I get asked clarification questions about from readers all the time. As a starting point, here are the previous posts I’ve written about the benefit:
- Citi Prestige Card Fourth Night Free Hotel Benefit Details
- My Experience Using The Citi Prestige Fourth Night Free Benefit
- Is The Citi Prestige Fourth Night Free Hotel Benefit A Gimmick?
- Which Hotels Are Eligible For Citi Prestige 4th Night Free Hotel Benefit?
- How Quickly Does The Citi Prestige Fourth Night Credit Post?
- More Citi Prestige Card 4th Night Free Data Points
- Don’t Forget About Citi Prestige 4th Night Free Benefit
- More Citi Prestige Fourth Night Free Experiences
- Citi Prestige 4th Night Free Hotel Benefit: 5 Misconceptions
One interesting aspect of this benefit which I think is worth talking about is how the free night benefit is calculated. For the Citi Prestige Card fourth night free benefit, do they actually refund the average cost of one night over your four night stay, or is the fourth night free?
While it’s a point of confusion for some, the benefit is as straightforward as the name suggests — you are given a statement credit for the cost of the fourth night, including all taxes and fees. It’s not a refund for the average per night cost over four nights.
You can really use this to your advantage. For example, a friend recently messaged me in amazement of this benefit, since he was using it in Las Vegas over a weekend. He’s staying Wednesday through Sunday, and the rate for Wednesday and Thursday night was half the rate of Friday and Saturday night. So if the first and second nights were $100 per night and the third and fourth nights were $200 per night, he’d get a refund of $200. That’s a refund of $200 on a $600 stay, which is a savings of ~33% rather than ~25%.
Of course there are much more extreme examples. Say you want to stay at the Hilton Times Square on New Year’s Eve (I can’t imagine why anyone would want to do that, but let’s pretend).
The cost for the nights of the 28th, 29th, and 30th is $499 per night, while the cost for the night of the 31st is $1,799.
The last night is more expensive than the other three nights combined, meaning your savings would be over 50%.
Again, I’m not suggesting anyone actually book the Hilton Times Square over New Year’s Eve to take advantage of this deal, but it’s just meant for demonstrative purposes. More practical examples would be booking a stay in Las Vegas Wednesday through Sunday (since weekends are considerably more expensive than weekdays), or booking a stay in a major city Saturday through Wednesday (since weekdays are considerably more expensive than weekends).
Using the Citi Prestige Card fourth night free benefit at the St. Regis Bali
The Citi Prestige Card is an all around compelling card, and this is hands down the strongest perk of the card. It’s a benefit which in 2015 paid for the annual fee on my card over and over.
The fourth night free hotel benefit might just be too good to be true, though. For example, the Club Carlson Visa Card used to offer every second night on award stays for free, a benefit which was cut eventually.
I’m not suggesting this benefit will be cut on the Citi Prestige Card anytime soon, but I am saying that it’s a disproportionately generous benefit, and I’d get the card for this perk sooner rather than later, because I wouldn’t count on it sticking around in its current form forever.
What has been your experience with the Citi Prestige Card fourth night free benefit?