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“Reader Questions” are answered twice a week — Mondays and Fridays — by TPG Editor-in-Chief Zach Honig.

Following the launch of an elevated offer for the Citi Prestige Card, we’ve had quite a few readers ask about the 4th Night Free benefit, which I consider to be one of the travel industry’s top perks. Naturally, getting a rebate for your fourth night on most hotel stays sounds a bit too good to be true, so it’s no surprise that TPG reader Daniel emailed us with the following question…

Does the Citi Prestige 4th Night Free perk include stays at all-inclusive resorts? Would I get reimbursed for the full amount of the fourth night or will the rebate exclude food and drinks?

TPG Reader Daniel

That’s certainly a reasonable question. The short answer is yes, your 4th Night Free credit will apply at all-inclusive hotels, assuming the property is either listed on the ThankYou portal — if you’re planning to redeem points or book online — or available to Concierge agents. While Citi’s web booking engine can be a bit limited, depending on destination, I’ve found that all hotels I’ve planned to book have been available to Concierge agents over the phone.

By definition, all-inclusive hotels include food and beverages as part of the room rate. While it’s entirely possible that there are some resorts that break down the costs to list the room rate by itself, the all-inclusive properties I’ve come across list the bundled price, generally before tax and fees, such as a mandatory gratuity — both of which wouldn’t be covered by a 4th Night Free credit. I even once had success having Citi include a food and beverage package, netting me a $1,490 credit at Amanpulo, but that’s likely more the exception than the rule.

While researching Daniel’s question, I made a mock booking for the Hyatt Ziva Cancun, an all-inclusive that’s part of the World of Hyatt program. Sure enough, the 4th Night Free credit was applied as a discount when I booked online, reflected in the screenshot below.

Screen Shot 2017-08-23 at 2.58.34 PM

Note, however, that the hotel is currently offering a 50% off promotion, and while that’s also listed on Citi’s website, the total when booking directly through Hyatt is considerably less — before factoring in the 4th Night Free credit, of course.

Screen Shot 2017-08-23 at 3.00.03 PM

In this case, I’d recommend booking through the Citi Concierge, which you can do in four easy steps:

1. Call Aspire Lifestyles (Citi’s concierge service) at 561-922-0158 and provide your first and last name and billing ZIP code.
2. Provide the name of your hotel, dates of your stay, number of guests, room type and the rate you’d like to book.
3. The rep will confirm your details and provide the hotel’s cancellation policy.
4. Provide your credit card and loyalty program number (and ask the rep to keep these on file).

Concierge agents will have access to the pricing available directly through Hyatt, bringing your total down to $1,188 with the 4th Night Free credit, compared with $1,405 when booking through Citi’s ThankYou portal. That’s a considerable savings for just a few extra minutes of work, so be sure to compare prices on a few platforms before clicking through to book with Citi.

Thanks for the question, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at

Featured image courtesy of Hyatt Ziva Cancun.

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.