Citi

Why You Should Make Citi Prestige 4th Night Free Bookings Before July 23, 2017

St-Regis-Punta-Mita

The fourth night free offered with the Citi Prestige Card is my single favorite benefit offered by any credit card. This benefit has saved me thousands of dollars. For example, in my first year of card membership, the benefit saved me over $2,000, and it has saved me even more since then.

What makes this benefit so great is that you it’s valid on a vast majority of publicly available rates, including pre-paid rates, AAA rates, promotional rates, etc. Also, the reimbursement by Citi happens on the back end, which means that you earn elite qualifying nights, hotel points, etc., based on the rate of all four nights, rather than only based on three nights.

As was first announced last year, the Citi Prestige Card is making two changes to this benefit later this year:

Continue Reading »

My Latest Experience Using The Citi Prestige Fourth Night Free Benefit

Andaz-Maui

The fourth night free on the Citi Prestige Card is my single favorite benefit offered by any credit card. This benefit has saved me thousands of dollars. For example, in my first year of card membership, the benefit saved me over $2,000, and it has saved me even more since then.

About a month ago I discovered that these fourth night free bookings could actually be made by email, with the Citi Prestige’s concierge. Previously I always called, which was a time consuming process. It was still totally worth it, but if I can help it, I’ll avoid spending 30 minutes on the phone.

When I wrote about my positive experience making a fourth night free booking by email, some commented that they didn’t have as stellar of an experience. I wasn’t sure if I just got lucky or what, but I figured I’d report back on my second experience of making a Citi Prestige Card fourth night free booking by email.

Continue Reading »

What’s The “Business Model” For The Citi Prestige Fourth Night Free Benefit?

marriott-astana-hotel-12

Reader Alex727 asked the following question in the Ask Lucky forum:

“What’s Citi’s business model for Citi Prestige’s 4th night free benefit?”

My single favorite benefit offered by any credit card is the fourth night free on the Citi Prestige Card. This benefit has literally saved me thousands of dollars. In my first year of card membership alone, the benefit saved me over $2,000.

Continue Reading »

Ranking Limited Time Hotel Credit Card Sign-Up Bonuses

st-regis-kuala-lumpur-16

At the moment we’re seeing more increased hotel credit card sign-up bonuses than I recall seeing at any point in the past. Given that these offers are limited time, I wanted to use this post to rank the offers based on the sign-up bonuses alone. Which cards offer the biggest sign-up bonuses, based on my valuation of points, and taking into account the annual fees the first year?

Here they are ranked, based on my valuations:

Continue Reading »

10 Best Credit Card Offers For March

W-Guangzhou-Hotel

Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

Continue Reading »

Should You Get The Amex Hilton Surpass Or Citi Hilton Reserve?

waldorf-astoria-jerusalem

Earlier I wrote a post comparing the increased sign-up bonuses on the no annual fee Hilton Honors™ Card from American Express and the $75 annual fee Hilton Honors™ Surpass® Card from American Express. The cards are offering increased sign-up bonuses of 80,000 Honors points and 100,000 Honors points, respectively.

However, one unique aspect of the Surpass Card is that it’s also offering a free weekend night certificate valid at just about any Hilton hotel on your card account’s first anniversary. This is a benefit I don’t ever recall seeing on one of the Amex Hilton co-brand cards before, but rather this is a benefit that might sound familiar with the Citi® Hilton Honors Reserve Card.

So in this post I wanted to address the differences between the two premium Hilton co-brand cards — the Hilton Honors™ Surpass® Card from American Express and the Citi® Hilton Honors Reserve Card.

Continue Reading »

How Long Do Citi ThankYou Points Transfers Take?

garuda-indonesia-777-first-class-1

If you’re collecting miles & points through credit card spend, I always recommend doing what you can to accrue transferrable points currencies. That’s because these points are much more flexible than when you’re earning an individual airline or hotel points currency. You have the flexibility to transfer these points to all kinds of travel partners, and you’re safeguarded from a devaluation in a specific points currency.

With that in mind, I’m writing a series about the three major transferrable points currencies — Amex Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou — talking about how long it takes to transfer points, along with the other basic details you need to know about transferring points. A couple of days ago I wrote about Amex Membership Rewards, and yesterday I wrote about Chase Ultimate Rewards, so today I’m writing about Citi ThankYou.

How many airline and hotel partners does Citi ThankYou have?

Continue Reading »

Should You Pay Your Taxes By Credit Card?

Taxes-Credit-Card

Tax season is in full swing in the U.S., with federal income taxes due in a bit over a month. Of course people have different ways they pay taxes, so not everyone still has taxes to pay next month. If that’s the case, maybe you can apply this strategy towards a future tax payment.

While a vast majority of people pay their federal income taxes in cash, does it make sense to pay your taxes by credit card instead? I pay all my taxes by credit card, and think it makes sense for a lot of people to do so. In this post I wanted to outline how that works in general?

There are several third party websites that will allow you to make tax payments by credit card. Right now the best option for paying taxes by credit card is Pay1040.com, which charges a 1.87% convenience fee for using a credit card. They let you pay by American Express, MasterCard, Visa, etc.

Continue Reading »

How To Easily Make Citi Prestige Fourth Night Free Bookings By Email

Andaz-West-Hollywood-Hotel-29

My single favorite benefit offered by any credit card is the fourth night free on the Citi Prestige Card. This benefit has literally saved me thousands of dollars. For example, in my first year of card membership, the benefit saved me over $2,000.

What’s great is that when you use the fourth night free benefit you still earn points with your hotel loyalty program like you usually would. Furthermore, while some free night benefits are highly restrictive, this one can be used on any publicly available paid rate. That means you can use it on a pre-paid rate, AAA rate, etc.

Furthermore, the cost of the fourth night is reimbursed on the back end, meaning that you earn hotel points for the cost of the entire stay, rather than just the cost of the first three nights.

Continue Reading »

Should You Transfer Citi ThankYou Points To JetBlue With A 50% Bonus?

JetBlue-A321

You can receive a 50% points bonus when you convert Citi ThankYou points into JetBlue TrueBlue points between March 2 and April 30, 2017. The promotion goes live tomorrow, and you should see the bonus hard coded into the transfer ratio at that point. JetBlue is one of Citi’s newest transfer partners, as the ability to convert points was just added back in October.

As far as the value of transferring ThankYou points to TrueBlue points goes, those with the Citi Prestige® Card and Citi ThankYou® Premier Card will receive 1.5 TrueBlue points per every 1.25 ThankYou points (you ordinarily receive 1 TrueBlue point per 1.25 ThankYou points). In other words, with the 50% bonus points convert at a rate of 1.2 TrueBlue points per ThankYou point.

In October I wrote about how converting ThankYou points into TrueBlue points isn’t a good deal. Does the math on that change with a 50% transfer bonus?

Continue Reading »

Last Day For Two Great Citi American Card Sign-Up Bonuses

Etihad-Apartment-First-Class - 3

Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled tomorrow, so if you’re interested you’ll want to apply within the next 24 hours. As a reminder, here’s what you need to know about these offers:

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

Continue Reading »

10 Best Credit Card Offers For February

st-regis-dubai-26

Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

Continue Reading »

One Week Left: Up To 100K American Miles With 2 Credit Cards

Etihad-Apartment-First-Class - 5

Since early December, Citi has officially increased the sign-up bonuses on the American AAdvantage co-brand credit cards. I’m told that the increased offers will be pulled around March 1, so if you’re interested you’ll want to apply within the next week or so.

Between these two cards you can earn up to 100,000 AAdvantage bonus miles, which is pretty great. The details are as follows:

Continue Reading »

Earn 75K Hilton Bonus Points On A No Annual Fee Card For A Limited Time

conrad-bora-bora

Link: Citi® Hilton Honors™ Visa Signature® Card Hilton is unique as far as their co-brand credit card agreement goes, in that they have cards issued by both American Express and Citi. They’re the only hotel chain where that’s the case, and that means there are four types of personal credit cards available to consumers. An…

Continue Reading »