Anniversary Trip Dilemma: Citi Prestige 4th Night Free or AMEX Fine Hotels
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.
Team member Keith recently celebrated his 1st wedding anniversary in Los Cabos, Mexico. So I asked him to share his experience researching how to book the hotel for this trip!Keith: Thanks, Daraius! After taking an around-the-world honeymoon last year using mostly miles & points, my wife and I planned a trip to celebrate our anniversary in just one destination: Los Cabos, Mexico.
And instead of using points for an award stay like we do for most trips, we wanted to use other credit card perks to book a paid stay at a luxurious boutique hotel called the One & Only Palmilla.
Planning 4 Nights in Los Cabos
My wife and I decided on the One & Only Palmilla because it’s a ~35 minute drive from the Cabo San Lucas airport, which is a Southwest destination. So we were able to take advantage of our Companion Pass to save money on flights!
And the hotel gets incredible reviews on TripAdvisor. Some of the highlights of the resort include:
- 27-hole golf course designed by Jack Nicklaus
- Complimentary paddle boarding, kayaking, and snorkeling
- 2 ocean view infinity pools
- Beautiful sunsets overlooking the Sea of Cortez
- Excellent dining options, including at Seared restaurant
- One & Only Spa
Because it was a special occasion, we decided we would pay out of pocket for this expensive stay instead of redeeming miles & points at a different hotel. So we researched the best deals using perks from our credit cards. Here’s what we found.
1. AMEX Fine Hotels & Resorts
Keep in mind, not all hotels are included in this program. But there are over 975 hotels that participate.
For our travel dates, AMEX was offering a promotion to get the 4th night free for many different room types.
I selected the cheapest room type to get more details about the stay on the trip summary page, including the cost and perks.
Here it says the complimentary 4th night is deducted from the total amount billed when you check-out.
So the trip summary page shows a total estimated cost of $3,960. But this does NOT include taxes & fees, which I estimated to be ~$1,000 based on the information on the hotel’s website.
This means the total cost would be ~$4,960. But I would get a credit for the 4th night of ~$990. So our total out of pocket cost would be ~$3,970.
I think it would be extremely helpful if AMEX added a summary of your total expected out of pocket cost to their website, so it’s easier to see what you can expect to pay.
Besides the 4th night free promotion, there are several other exclusive benefits you get by booking this stay through AMEX, including:
- 12:00 pm check-in, if available
- Guaranteed 4:00 pm late check-out
- Room upgrades if available
- Free daily breakfast for 2
- Complimentary round of golf for 2 people
I calculated the breakfast and golf perks to be worth ~$550. Because breakfast costs ~$25 per person each day or ~$200 total for 4 days. And golf is $175 per person or $350 total.
And you can’t put a value on the late check-out, but it gives you more time to spend relaxing by the pool or beach. Plus, room upgrades can be worth ~$800+ because nightly rates at the hotel increase significantly when you select a different room type.
2. Citi Prestige
Using Citi Prestige card perks to book a hotel stay is much more straightforward. I sent an email to the Citi Prestige concierge with our desired travel dates and the name of the hotel.
And I heard back within 2 days with pricing deals. Including the 4th night free benefit, we’d pay ~$3,800, which includes all taxes & fees.
So we would have saved ~$170 on the 4-night hotel stay by booking with the Citi Prestige instead of through AMEX. But we won’t get any extra perks. For example, just the free breakfast with AMEX is worth ~$200.
For folks who wouldn’t take advantage of the extra benefits, it might make sense to book with the Citi Prestige. And consider you earn 3X Citi ThankYou points for hotel purchases with the card. That’s more than 11,000 points with an expensive stay like this example.
Plus, the Citi Prestige also has some of the best trip protection coverage. This can come in handy if a trip is cancelled or interrupted because of an illness or other eligible reason.
For a recent wedding anniversary trip, team member Keith and his wife researched the best options for booking a 4-night stay at the One & Only Palmilla in Los Cabos, Mexico.
Through AMEX Fine Hotels & Resorts, there was a promotion to get a 4th night free. And you also get exclusive perks for booking with AMEX, including guaranteed late check-out, free daily breakfast for 2, and complimentary round of golf for 2 people.
The total cost with AMEX is slightly more than using the Citi Prestige 4th night free benefit. But the extra perks with AMEX more than offset the higher out of pocket expense. So team member Keith decided to book through AMEX!
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! :)