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This offer is expired. See the new offer and analysis here.

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The Citi Prestige® Card is the top current credit card offer.

The card comes 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 in airfare or airline fee credits per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, 3x points per dollar on air travel and hotels, the fourth night free on paid hotel stays, three free rounds of golf per year, and a $450 annual fee.

Currently that fourth night free on paid hotel stays is unlimited. There are people who are literally getting thousands of dollars (and possibly some people have gotten into five figures) worth of free hotel nights.

Here is what the terms and conditions have to say about the unlimited benefit.

Screen Shot 2016-03-07 at 2.36.40 PM

A truism of miles, points, and rewards is that outsized value does not last forever. For instance, we saw the way-more-generous-than-competitors perk of the last night free on award stays disappear from the Club Carlson credit card. And I expect credit card sign up bonuses to stop counting toward qualification for the Southwest Companion Pass at some point.

With all that in mind, take a look at the language about the fourth-night-free benefit using Citi’s card compare tool.

Screen Shot 2016-03-07 at 2.34.55 PMIt says “an annual worldwide 4th night stay at any hotel property,” as in “one,” as in “not unlimited.” That would be a huge change.

However the terms and conditions for the card have not been updated to reflect any such change, so it remains to be seen whether a change will be made, and, if a change is made, how that will affect current cardholders. I will certainly keep an eye on this perk and keep everyone posted.

For more information on the Citi Prestige® Card, check out my review of the Citi Prestige Card which explains its many benefits like $250 in airfare or airline fee credits per calendar year, access to the American Airlines Admirals Clubs and Priority Pass lounges, 3x points per dollar on air travel and hotels, and the fourth night free benefit as it currently exists.

Hat Tip One Mile at a Time

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of 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 80,000 points after $4,000 spend in the first 3 months and 2x points earned on dining and travel spend, 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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