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All those friends who love to laugh at your $450 a year credit card won’t be chuckling any longer. Nope, not when they find out that your last trip was longer, better and cheaper than theirs – all thanks to that expensive “love to hate” piece of plastic in your pocket. We recently put one credit card benefit to the test, and the result: more than $1000 in savings on a single vacation. Imagine what you could do with a year’s worth of travel?

We’re Talking About The Citi Prestige 4th Free Benefit, Which Applies To Every Hotel You Book, All Year Long…

A key benefit if the Citi Prestige card, which charges a hefty $450 annual fee, is the 4th night free benefit. Regardless of the room price, on an unlimited number of stays- you get the room rate for the 4th night of any stay comped. Yeah that’s right – you could make your annual fee back in a single 4 night booking.

Here’s A Practical Example In Action For A Random Trip…

Let’s take Langham in Sydney, Australia. Rooms are about $350 a night, and there’s no argument that it’s a steep price – but it’s awesome. Using the 4th night free benefit, you’d save roughly $350 on a four night stay, dropping the room rate down to more like $262 a night. Solid! On this specific trip, we’ll have 14 days of hotel stays, so this will be used 3x, for a savings over $1000. Best part? You can book any hotel – directly online at the Citi website, with the savings built in.

The Key Here: Do This Over And Over Again, All Year…

The Citi Prestige card comes with airport VIP lounge access for cardmember and at least one guest, and also offers a $250 travel credit – good for any travel purchase. Basically, your net loss on the annual fee is only $200 after the travel credit kicks in, assuming you value airport lounge access and the 75,000 point sign up bonus (worth at least $750) at zero (which you should not). If you then use the 4th night free benefit over and over, you can come out with multiple $1000’s in savings over the course of the year…

Is It For You?  That Totally Depends On Your Travel Patterns…

If you only stay 2-3 nights max in the same place on your travels – this benefit is useless. If however, you find yourself staying 4+ nights a couple times a year, for business or pleasure, this is an incredibly overlooked opportunity to save. And yes, you could theoretically book two back to back “four night” stays to pay for 6 nights on an 8 night stay, though it’s been rumored you may need to use two separate hotels (worth trying). Clever eh?

Responses 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.
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