This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here – Citi Prestige Card

TPG reader AJ sent me a message on Facebook to ask about booking hotels:

“Does the Citi Prestige Concierge offer good rates on hotel rooms? How do prices compare to direct bookings?”

Perhaps the most lucrative travel rewards credit card perk out there is the 4th Night Free benefit on the Citi Prestige Card. As the name implies, you can get a free night when you book your stay of four nights or more and use your card to pay. The rebate is uncapped (in terms of both the total refund and the number of times you can get it on different reservations), so the potential savings is huge.

To get the free night, you have to make reservations through the Citi Prestige Concierge. Citi recently updated this process — the actual booking was previously handled by the Carlson Wagonlit travel agency, but earlier this month Citi enabled the Prestige Concierge to make reservations directly. Either way, it’s good to have a sense of how prices compare to other booking options. Some credit card benefits force you to pay a premium that can wipe out your potential savings (like the companion ticket on The Platinum Card from American Express). Fortunately, that’s not the case here.

You can get the fourth night free with most public rates. Even better, you can combine it with other discounts like AAA and AARP, as well as individual hotel promotions (like one TPG reader did last summer at the Four Seasons in Miami). Another plus is that unlike many third-party bookings, you should earn points and elite credits for your entire stay (including the free night, since that gets refunded to you later as a statement credit).

Prices are comparable to what you’ll get by booking directly; in fact, the Citi Prestige benefits guide specifies that “rates provided will be equal to or lower than the lowest publicly-available fare at the hotel’s official website.” Still, it’s worth searching on your own first to see what’s available. If you’re offered a higher rate for whatever reason, at least you’ll know what you should be paying. You can then request that the concierge contact the hotel or chain directly to figure out why you’re not getting the best price.

Citi
The Citi Prestige fourth night free benefit can be used to book just about any publicly available rate.

Overall, I think your chances of getting a good rate with this benefit are better than when you book through the Citi ThankYou Travel Center (or another travel portal like Chase Ultimate Rewards or Amex Membership Rewards). The Citi Prestige Concierge offers you a live person who has at least some capacity to look at prices elsewhere. If you can find a lower eligible rate than what they’re offering, the concierge may be able to help you book it. If you find lower ineligible rates, you’re probably still better off sticking with Citi and getting your fourth night free.

For more on maximizing Citi Prestige and hotel stays in general, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game. Here are the top 5 reasons it should be in your wallet, or read our definitive review for more details.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.