How Quickly Does The Citi Prestige Fourth Night Credit Post?

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I’ve written extensively about the Citi Prestige Card, which is one of the hottest cards on the market right now. While the card carries a $450 annual fee, it has so many incredible benefits which more than justify the annual fee, in my opinion. Among other things, these include:

But arguably one of the most lucrative benefits of the card is the fourth night free hotel benefit. While I was skeptical of the benefit when I first applied for the card, for me it has proven to be the most valuable benefit of the card. I’ve already used the benefit for four sets of stays in the past two months alone.


For those of you not familiar with the benefit, here are posts I’ve written about it, which explain the rules, process for booking, etc.:

The way the benefit works is that you actually pay for the entire stay at check-out (or on a pre-paid rate, in advance), and then later receive a statement credit for the cost of the fourth night. That’s a great system, since it means you earn elite qualifying stays/nights/points with the loyalty program for the full amount spent.

A lot of people have asked how long it takes for the hotel credit to post to the Citi Prestige Card. The terms state that statement credits will post within 1-2 billing cycles after check-out.

So what has my experience been so far?

I had two sets of four night stays on June 2 and June 9, 2015. Both hotel night rebate credits posted on July 11, 2015.


While the Citi Prestige Card fourth night free credit is far from instant, it does seem to pretty consistently post within a month or so of the actual stay. So typically it should post before you actually have to pay your credit card bill (though of course that depends on your cutoff date).

Bottom line

The Citi Prestige Card fourth night free benefit really is a huge perk, and for me the single most valuable benefit of this card. Being able to get a fourth night free on the published rate from a hotel is huge, and frankly has sort of changed how I book hotels. I used to often spend three nights at a time in hotels, but with a fourth night free, why not go ahead and extend the stay a bit?

What has been your experience with having the Citi Prestige Card fourth night free benefit post?

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  1. Does the rate of fourth has to be lower than the combined rates of 3 nights before? Say I check in on Friday and checkout and Tuesday, I get great deal for weekend stays costing only about $300 total,(Friday to Sunday) then for the night on Monday, the rate back to regular and became $600. Will I get reimbursement for fourth night?

  2. @Do – no, you are reimbursed for the 4th night even if it the most expensive night of your stay.

  3. @ Do — The fourth night can absolutely be the most expensive and be reimbursed. In Vegas I’ve seen four night stays where the first three nights are $150 each, while the last night is $600. In that case the $600 would be reimbursed, even though it’s more than the sum of the other three nights.

  4. Interesting data point – if you have to order a new prestige card due to loss or theft after charging a fourth night free stay, the fourth night credit won’t post unless you notify Aspire directly that you have a new credit card number. I just called to inquire about a credit that still hasn’t posted after 2 months, and that was the issue! Now they say it might be another 1-2 billing cycles until the credit posts…

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