Is Citi Delaying Prestige Fourth Night Free Credits On Purpose?

One of the best benefits of the Citi Prestige card is its Fourth Night Free benefit for hotel stays. For stays of 4 nights or longer, you’ll receive a credit for the average room rate price during your stay. That is, until September 2019 when two major changes to this benefit take effect:

  1. You can only use the Fourth Night Free benefit twice a calendar year
  2. All bookings must be made on the Citi ThankYou website or by calling 800-THANKYOU. All bookings will be prepaid, either with cash or by using your ThankYou points.

I’m not happy about these changes but I was glad Citi gave almost an entire year notice before the changes took effect. Any bookings made before September 1, 2019, are still under the current rules. That means you can book through the Citi Concierge instead of through the ThankYou portal. Concierge bookings allow you to use any publically available discounts (Loyalty Member Rate, AAA Member), which can save a bunch of money over a four-night stay. Using the concierge also allows you to book a rate where you can pay at the hotel and still receive your loyalty benefits and credit for your stay. ThankYou bookings don’t receive either of those benefits.

So I’m using the Fourth Night Free benefit as much as I can before September and trying to lock in as many reservations I can for next year.

prestige_card-j6wnyw4e

In February 2019, we completed a stay booked through the Citi Concierge and noticed a big change between how I received my credit now and the last time I used the benefit.

Continue reading “Is Citi Delaying Prestige Fourth Night Free Credits On Purpose?”

Citi Prestige Premium Rental Car Benefits

While the American Express Platinum cards are the standard for providing travel benefits, you’re eligible for several of the same perks if you have a premier card from a different bank. Since I canceled my Platinum card, I’ve been looking to keep as many of the benefits I had previously with the cards I still have. The Citi Prestige card provides some of the same benefits and some that AMEX doesn’t.

With the Citi Prestige, you get extra benefits with several rental car companies. Here’s a list of the benefits and how to sign up for them.

Continue reading “Citi Prestige Premium Rental Car Benefits”

Flight Attendant Contracts Measles, New Credit Card Benefits, One Airline Trolling Another, #Bonvoy, & More!

Happy Sunday to all of our travel friends, both near and far! Here are some articles we’ve read from other bloggers (and other sources) that we think you may like, as well, so we’re passing them along.

Continue reading “Flight Attendant Contracts Measles, New Credit Card Benefits, One Airline Trolling Another, #Bonvoy, & More!”

When You Should(n’t) Use Airline Co-Brand Credit Cards To Pay For Airfare

All of the larger airlines in the U.S. offer co-brand credit cards. These cards, which provide extra benefits to cardholders, range from ones with no annual fee to premium cards costing up to $450 per year. While you’d think that using a co-branded card would be the best choice for earning points with your flight purchase, that’s usually not the case. For most airlines, you don’t earn any extra points for airfare purchases for having a more expensive card either.

In most cases, instead of using a co-brand card, it’s better to use a card that earns flexible points like Membership Rewards, Thank You Points or Ultimate Rewards. These cards provide the opportunity to earn more points as well as the flexibility to use points on multiple airlines. You’re able to transfer points from these programs into your airline mileage account when you need them.

Here are the earnings multiples on airfare for the main flexible points cards from each bank:

American Express (Membership Rewards)

  • Platinum card ($550 annual fee) – 5x points on flights booked directly with airlines or with American Express Travel
  • Gold card ($250 annual fee) – 3x points on flights booked directly with airlines or with American Express Travel

Chase (Ultimate Rewards)

  • Sapphire Reserve ($450 annual fee) – 3x points on travel worldwide (including airfares purchased from airlines or travel agencies/websites)
  • Sapphire Preferred ($95 annual fee) – 2x points on travel worldwide (including airfares purchased from airlines or travel agencies/websites)

Citi (Thank You Points)

  • Citi Prestige ($495 annual fee) – 5x points on purchases at airlines and travel agencies
  • Citi Premier ($95 annual fee) – 3x points on purchases at airlines and travel agencies

The AMEX Platinum and Citi Prestige both offer 5x on airfare but the AMEX card only counts purchases direct from the airline or their website. When I had both cards, I used the Citi Prestige because I valued the additional travel insurance coverage but I know people would rather earn Membership Rewards than Thank You points. Of the $95 cards, the Citi Premier earns the most points on airline purchases at 3x.

So how many miles will you earn by using an airline co-brand card to purchase airfare and when does it make sense to do so? I’ve indicated which airlines are partners of one (or all) of the flexible currency cards so you can compare earnings potential between cards.

Continue reading “When You Should(n’t) Use Airline Co-Brand Credit Cards To Pay For Airfare”