We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

This Citi Prestige Perk Might Be the Most Lucrative Benefit of ANY Credit Card!

  • Million Mile Secrets

    • 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: How we make money.

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

    If you book paid hotel stays, the 4th night free perk with the Citi Prestige card can save you lots of money!  Using this benefit just 1 or 2 times can completely offset the card’s annual fee.

    Several Million Mile Secrets team members use the 4th night benefit for their paid hotel stays.  Team member Jasmin has saved $730 with this perk in ~13 months.  And team members Keith and Harlan have each received more than $2,800 in statement credits during the time they’ve had the Citi Prestige!

    With recent changes, it’s now easier to use this fantastic credit card perk.  Because you’re eligible for instant discounts when you book through the Citi ThankYou® Travel Center.  In the past, you could only get the 4th night credit by making a hotel reservation through the Citi Concierge.

    Citi Prestige Cardholders Can Get a 4th Night Free at Hotels Like the New Dream Hollywood in Los Angeles!

    I’ll share how the Citi Prestige can be your secret tool to saving on hotels!

    Use the Citi Prestige 4th Night Free Perk for BIG Hotel Discounts!

    Link:   Citi Prestige

    Link:   How to Get the Best Price With Citi Prestige’s 4th Night Free 

    The 4th night free perk with Citi Prestige is an incredible deal.  And it’s easy to use.

    There are 3 ways to book eligible 4th night free reservations:

    When you book online, you can pay with your Citi Prestige card, Citi ThankYou points, or use both.  And your 4th night credit applies automatically at the time of checkout.

    Booking Online Has Its Advantages Because the 4th Night Credit Applies Automatically!

    Keep in mind, there’s a limited selection of hotels when you book online.  If you don’t see the hotel you’re looking for, I recommend calling the Citi Concierge.

    When you book through the Citi Concierge, you’ll have to pay for your entire stay with your Citi Prestige card.  Then, you’ll see a statement credit for the 4th night savings.

    Team member Keith typically sends his reservation request to the Citi Concierge through email.  And he’s never had any issues getting a statement credit.  It usually posts within 1 week after paying for a hotel stay.  Since getting the Citi Prestige card, he’s saved more than $2,800 with this benefit!

    If You Book 4-Night Hotel Stays Through the Citi Concierge, You Should See a Statement Credit Within 1 Week After Paying

    Keep in mind, the savings you get for the 4th night is based on the average cost of a 4-night stay, NOT including taxes. 

    Here’s a sample cost breakdown for a 4-night stay, without taxes:

    In this example you can expect a statement credit for $150, which is the average of the base rates for the 4 nights ($600 total / 4 nights).

    Don’t forget, you can apply AARP, AAA, and military discounts to 4th night free stays with Citi.  And remember Citi can NOT match prices you find on other online travel agencies like Orbitz or Expedia.  But they CAN match the price offered directly from the hotel.  So, if you see a higher price than what’s displayed on the hotel’s website, tell them the exact price you see.

    Folks With Elite Status Can Still Enjoy Perks Like Lounge Access When Booking 4th Night Free Stays With Citi Prestige – but You Must Book Directly Through the Concierge, NOT Online Through the Citi Travel Portal!
    Note:   You’ll earn hotel points, stay credits, and get elite status perks for 4th night free bookings made through the Citi Concierge.  So you don’t have to miss out on hotel lounge access or late check-out!

    But if you book online, hotels consider it a 3rd-party booking, and you won’t earn points or stay credit!  And you might not have your elite status recognized.  Million Mile Secrets team member Jasmin experienced this firsthand on a recent IHG stay she booked through the Citi Travel Portal.  🙁

    So I recommend booking through the Citi Concierge whenever possible.

    Limited Time 75,000-Point Citi Prestige Offer

    When you open the Citi Prestige card, you’ll earn 75,000 Citi ThankYou points after you spend $7,500 on purchases in the first 3 months from account opening.  This is the highest public offer I’ve seen for this card!  But it’s only available for a limited time.

    If you can meet the minimum spending requirements, you’ll unlock a lucrative sign-up bonus.  Because the points from the sign-up bonus AND minimum spending are worth at least $1,000 when you book airfare through the Citi travel portal.  And potentially much more when you transfer the flexible points to transfer partners like Flying Blue or Singapore Airlines.

    Transfer Citi ThankYou Points to Singapore Airlines and Book a First Class Suites Award Ticket!

    With the Citi Prestige, you’ll also get:

    The card has a $450 annual fee, which is NOT waived the first year.  But the annual credit for airfare purchases, Global Entry credit, and airport lounge access can more than offset the annual fee!

    Note:   Because of Citi’s sign-up bonus rule, you’re not eligible to earn the sign-up bonus on this card if you have had a Citi ThankYou Preferred, Citi Premier Card, or Citi Prestige card opened OR closed in the past 24 months.  Keep in mind, folks say product changing any of these cards counts as closing your account.

    Bottom Line

    Folks who take advantage of the 4th night free perk with the Citi Prestige card can potentially save thousands of dollars on paid hotel stays.

    I like that this benefit is easy to use.  You can book your hotel stay through Citi travel portal or by contacting Citi Concierge.  Then, you’ll enjoy savings based on the average cost of your 4-night stay (excluding taxes).

    Keep in mind, you won’t earn hotel points or stay credits if you book online through the Citi travel portal, because hotels consider it a 3rd-party booking.  But you will if you book directly with the Citi Concierge.

    Now’s a great time to consider the Citi Prestige card because you’ll earn 75,000 Citi ThankYou points after you spend $7,500 on purchases in the first 3 months from account opening.  This is the highest public offer I’ve seen for this card!

    Do you have the Citi Prestige?  I’d love to hear how much you’ve saved with the 4th night free perk!

    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! :)