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The Citi Prestige® Card is one of the best cards on the market. I change my rankings of the top credit cards monthly, but the Prestige has remained at the beginning/towards the beginning of the list for a while now.

It’s got an impressive array of benefits that easily outweigh the hefty annual fee–you can read my review of the Citi Prestige Card to learn more. One of it’s most touted benefits is getting your fourth hotel night free when you book a four night stay and pay for it with the card. All you have to do is call the Citi Prestige Concierge service (1-561-922-0158) to book it for you.

Getting your Fourth AND Fifth Night Free

But what about stacking promotions? It’s common for hotels to run promotions with a third, fourth, or fifth night free (etc.), so could you hypothetically book a hotel running a promotion of this type with the Prestige and still get the fourth night free? 

One Mile at a Time just proved that it’s not hypothetical– you can actually stack a fifth free hotel night promotion with the fourth night free benefit to get two nights out of a five night stay for free.

The key is that you have to find a hotel running a fifth night free promotion, and that you will be billed in a way that shows a full rate for the first four nights and the fifth night as costing $0 (instead of five nights averaged down to the cost of four). To check this, you have to follow the reservation past the front-end advertisement– often times there it looks like it’s priced per night– and go through all the steps of booking you can without actually paying for it. You should be able to see the itemized pricing in the final steps.

Example of When Stacking Works

I found a fifth night free promotion at the Hyatt Regency Aruba Resort, Spa, and Casino by doing a simple search of “fifth night free hotel night promotions”.

Screen Shot 2016-06-23 at 12.39.24 PM

I selected the Garden View room with a king bed, and took me to the following page to process payment info. There was a summary of charges listed as well, which is what we want to see.

Screen Shot 2016-06-23 at 12.41.44 PM

The first four nights each have a fill rate price $360 and the fifth night costs $0, not $288 per night like the averaged advertisement read. This is the way it needs to price out in order to get the fourth and fifth night free. By booking this reservation with your Prestige, you’d save not only $360 from the hotel promotion, but an additional $382.50 for the total cost of the fourth night ($360 + 1/5 of the taxes & fees) from the fourth night free benefit. You could stay five nights at this lovely property for only $1,420.60!

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Hyatt Regency Aruba Resort, Spa, and Casino

That’s a total savings of $742.50, about a 35% discount!

When Stacking Probably Won’t Work

Unfortunately, you probably won’t be eligible for the Prestige’s fourth night free benefit if the hotel promotion you’re trying to stack it with is also a fourth night free promotion– since the hotel’s wording actually says “fourth night free”. One Mile at a Time tried it out, and two Prestige Concierges that he spoke with didn’t think you could still get the fourth night free in that case, even if the line item pricing of the room rate was averaged down to show a cost for each of the four nights.

What Hotels Does the Prestige’s Fourth Night Free Benefit Apply to?

I checked in the benefits section of my own Prestige account to nail down exactly what hotels this benefit applies for, and the most specific information there was the following: Screen Shot 2016-06-23 at 12.04.59 PM

Pretty much, the fourth night free benefit can apply to any publicly available rate.

Bottom Line

You can get the fourth and fifth nights of your hotel reservation for free by combining a hotel’s fifth night free promotion with the Citi Prestige® Card‘s fourth night free benefit, as long as the hotel prices the reservation in a way that Citi sees four nights charged at a full rate. It’s a truism of miles, points, and rewards that outsized value does not last forever, and this is some seriously outsized value, so take advantage while you can to save thousands of dollars.

Citi Prestige® Card with 50,000 bonus ThankYou Points after $3,000 in purchases made with your card in the first 3 months the account is open.

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 50,000 bonus points after $3,000 in purchases made with your card in the first 3 months the account is open.
  • Points are redeemable for an $800 flight on American Airlines, a $665 flight on any other airline or $500 in gift cards.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • 1 ThankYou® Point per $1 spent on other purchases

Application Link: Citi Prestige® Card

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 75,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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