Best Ways the TPG Team Has Used the Citi Prestige 4th Night Free Benefit
Update: Some offers mentioned below are no longer available. View the current offers here – Citi Prestige Card
One of the best perks of the Citi Prestige Card is — without question — the 4th Night Free benefit. With it, Citi will pay for the fourth night of your stay at virtually any hotel when booking through ThankYou.com or the Citi Prestige Concierge. The rate is based on the average night stay, and it doesn't include taxes and fees. Ultimately, if you use the benefit the right way, you can save hundreds or even thousands annually. With the refreshed card, you can also now book with ThankYou Points when using the 4th Night Free benefit (online only). This option gives your points a value of 1.33 cents apiece.
These aren't the only changes with the Prestige Card. As a reminder, it now comes with a sign-up bonus of 75,000 points after you spend $7,500 in the first three months. You'll earn 3x points on all airfare and hotel purchases, 2x points on all dining and entertainment purchases and 1x points on everything else. You'll also get an annual $250 air travel credit, Priority Pass membership, $100 Global Entry fee credit and more. For a card with a $450 annual fee, the perks can help offset that cost — especially the 4th Night Free.
Knowing the value of the 4th Night Free, we wanted to see just how much value people have gotten out of it. So, we asked around the TPG office to see the best ways the TPG team has used the benefit.
Brian Kelly, The Points Guy CEO
The Points Guy himself has sure had his fair share of savings with the Prestige. From an overwater villa in Mexico ($1,540 in savings) to an oasis in bustling Accra, Ghana, at the Mövenpick Ambassador Hotel ($389 in savings), he's gotten plenty of value from the perk.
The hotel at which TPG got the biggest return from his stay was none other than the Park Hyatt Maldives. Instead of paying 25,000 points for a free night, he wanted to pay cash in order to get an overwater villa. Knowing that, he used his Prestige Card in order to get the fourth night for free and the largest return on his stay. In total, the 4th Night Free saved him $1,560 on his four-night trip.
James Cury, Editorial Director
Between October 2016 and June 2017, TPG Editorial Director James Cury saved $1,653 on hotel stays using the 4th Night Free benefit. At his recent stay at the Hilton Edinburgh Carlton, he saved $276 on the cost of his fourth night. The money he saved with this perk represented "a serious savings considering rooms here can easily cost more than $600 a night," he said.
But even that figure of close to $300 doesn't compare to what he's saved on stays elsewhere. On his same 2017 trip to Europe, James stayed at the Westbury MayFair, A Luxury Collection Hotel. During his four-night stay there, he saved $445 on the cost of the fourth night. Then again, when staying at the AC Palacio Del Retiro, Autograph Collection, he saved another $470. One a trip to the Four Seasons Hotel Ritz Lisbon, he saved another $462.
Zach Honig, Editor-in-Chief
Zach's best use of the 4th Night Free benefit saved him so much that he's already written about it. In short, Zach decided to splurge on a stay at an Aman property on a trip to Asia — the Amanpulo. When he used his Prestige Card to take advantage of its 4th Night Free benefit during his stay, it cut a whopping $1,490 off of the cost of his stay. Effectively, with the fourth night's credit subtracted, it brought the per-night cost down to $1,118.
Knowing the value he'd gotten from the card and the benefit, Zach even went so far as to call the 4th Night Free "the single most valuable credit card benefit out there." And if you're wondering, his stay at the Amanpulo was very memorable, and worth the splurge.
Adam Kotkin, Chief of Staff
TPG's Chief of Staff, Adam Kotkin, has gotten plenty of use of the Prestige Card's 4th Night Free benefit. Though he lives in South Florida now, he's originally from New York. Meaning between visits to his old home and to stop at TPG's offices in Manhattan, he's often bouncing around hotels throughout the city. Two of his best 4th Night Free stays in the Big Apple came from the Andaz Fifth Avenue, where he stayed in a King Suite and saved $440 for the fourth night. Another notable Manhattan stay came at the Courtyard New York Manhattan/Upper East Side, where he saved $310 on the cost of the fourth night.
But, while his savings there are surely noteworthy, his biggest — and most memorable savings — came from other trips. For example, last summer, Adam stayed at the White Porch Inn in beautiful Provincetown, Massachusetts. While the bed and breakfast doesn't fall in a major chain's portfolio and is small in comparison, it's still eligible for the 4th Night Free benefit. During Adam's stay, he saved $361 as a statement credit for the fourth night.
Adam's largest savings came from a trip Down Under. For an anniversary trip, he headed to Hamilton Island in Queensland for a stay at the Beach Club. After using his Prestige Card to book, Adam was able to save AUD734 (~$582) on his stay. With Kotkin's four stays mentioned above, he was able to save $1,693 — more than three times the $450 annual fee that comes with the card.
JT Genter, Points and Miles Writer
While JT categorizes his 4th Night Free stays thus far as "boring," he and his wife Katie, a TPG contributor, have managed to still save some money with the benefit. On a trip to Cape Town, the two chose to stay at Anchor Bay Guest House, a four-room guest house in the city with awesome views. "It's a registered guest house with the city, but that's as much of a hotel as it can be considered," JT said. "Still, the Citi Concierge called them and arranged the 4th Night Free stay."
For their stay, the 4th Night Free benefit saved them $65. While the $65 isn't as jaw-dropping as others — like TPG's $1,560 in savings on a single stay — it still shows the value that can be had at virtually any property. Even though the Anchor Bay Guest House might not seem like a "hotel" by the standards of something you'd see in the Starwood or Hilton portfolios, it still qualifies in Citi's eyes for the 4th Night Free.
Richard Kerr, Senior Points and Miles Contributor
Of Richard Kerr's 4th Night Free uses, two in particular stick out, and both are for upcoming trips. For his wedding anniversary next summer, Richard and his wife are headed to Amanjena in Marrakesh, Morocco. The two are staying in a room that comes with the property's wellness package, which includes daily breakfast, return airport transfers, a daily 60-minute spa treatment and more. The 4th Night Free benefit is saving Richard $871 on the booking. "[I] would never be able to get a free night at Aman otherwise," he said.
His other big statement credit from the Prestige Card is from a stay at the Four Seasons Resort Costa Rica at Peninsula Papagayo. Richard combined the Four Seasons third night free offer with the Prestige Card's 4th Night Free benefit in order to get four nights at the resort for the price of two. In total, the 4th Night Free alone from the Prestige saved him $650. Best of all, his planned stay is for this coming December — just after the property reopens following its refurbishment.
What's the most value you've gotten from the Prestige Card's 4th Night Free benefit?
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Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.