Last Chance: Make Citi Prestige 4th Night Free Bookings Under The Old Terms

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 as of Sunday, July 23, 2017 (when the card is also introducing a few new benefits):

  • They’ll reimburse you for the average nightly cost of the four night stay, rather than for the cost of the fourth night
  • They’ll no longer reimburse you for the cost of the taxes and fees on the fourth night; in some markets this doesn’t have much of an effect, while other markets have substantial taxes and fees, where it could make a bigger difference

So if you’d benefit from one of the above, I highly recommend making your booking today or tomorrow.

To expand a bit on the above, many won’t be impacted by them changing the reimbursement structure to averaging the cost of four nights rather than reimbursing the cost of the fourth night specifically. In some markets this can make a big difference, though. For example, in Las Vegas weekend rates are typically significantly higher than weekday rates. I pulled up the below prices for an MGM property in Las Vegas, where the first night is $185, second night is $315, third night is $362, and fourth night is $550.

Under the current system you’d be reimbursed based on the $550 night, while under the new system you’d be reimbursed based on a $353 rate, which is the average nightly rate. That’s useful in some circumstances, though not all.

What’s more important across the board, though, is that the cost of taxes on the fourth night will no longer be reimbursed. In some markets, taxes and service charges can total nearly 30% of the room rate, as is the case in Mexico. For example, the W Punta de Mita has a rate of $304, but by the time you add in taxes and service charges, the nightly rate is increased to $392. So if you book by tomorrow you’d be reimbursed based on the $392 rate, while starting on Sunday you’d be reimbursed based on the $304 rate.

Bottom line

Now is the time to make your Citi Prestige fourth night free booking. How much you’ll benefit from booking now vs. in a few days depends entirely on the taxes & fees for the hotel you’re booking, as well as the difference in nightly rates over the course of four nights. However, the difference is potentially significant.

Are you making any last minute Citi Prestige bookings?


  1. They did not reimburse service charges before so the difference is lower then what you said

  2. @shay peleg
    that’s false. they reimbursed everything besides incidentals for the 4th night.

  3. Well, I guess the only impact on me is whether the booking still count towards elite qualifying nights and points.

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