Use Citi Prestige 4th Night Free Perk To Save Big At Disney

While the Citi Prestige is a good card all-around, it is one perk that really makes it stand out: 4th Night Free. One of our first posts on this blog was about getting $2000 of value out of our Citi Prestige the first day we had it, in part from using 4th Night Free. Here's how you can do the same!

The Citi Prestige

We have a full review of the Citi Prestige, but here's the short version. The Citi Prestige is a premium credit card with a $450 annual fee, a $250 annual air travel credit, and a host of other perks, including "4th Night Free."

 Use Citi Prestige 4th Night Free for Free Nights at Disney!

Use Citi Prestige 4th Night Free for Free Nights at Disney!

Using Citi Prestige 4th Night Free

The Citi Prestige 4th Night Free perk is easy to use:

  1. Login to the Citi ThankYou portal at
  2. Use the site like you would or, searching for your intended location and dates
  3. For stays of four nights or more the portal will display a rate that is 25% off your first four nights
  4. When you book through the portal, you get this favorable rate

The 25% is off of whatever rate the portal has access to. Generally, it has access to the same sorts of rates as other hotel sites. These are sometimes better, sometimes worse than what you'll find booking through Disney directly. Even when they're worse, though, 4th Night Free can make up the difference.

Citi ThankYou vs. Disney Directly

You should always compare the prices on Citi to prices you find on other sites. You might be surprised either way. For example, you might think there's no way Citi can beat a special offer like the "Gift of Magic" room offer. But it turns out they can. Here's a sample booking at Caribbean Beach:

When you book directly through Disney...

disney standard offer.JPG

You'll pay $969.77 booking without the special offer (yes, Disney let's you do this).

disney special offer.JPG

You'll pay $832.75 booking with the Gift of Magic Room Offer. That's about 14% savings.

When you book through Citi using 4th Night Free, though...

citi fourth night caribbean.JPG

You'll pay $666.42. That's 20% lower than the Gift of Magic rate and 31% off the Standard Rate. Even when Disney has a deal going on, you'll still save $166.33, over $40 per night!

Combine 4th Night free With A Split Stay For Huge Savings

Remember, 4th Night Free won't help you if you're staying only three or fewer nights. Your savings are also relatively smaller if you stay five, six, or seven nights because (again) the discount is 25% of your first four nights. 

If you're staying eight nights you do not get 25% off twice, even if you make two separate bookings. However, at Disney World you can easily change hotels, so if you break up an eight-night stay into two four-night stays at different hotels, you can use 4th Night Free twice on each four-night stay. Split stays at Disney World are super easy (and a great way to experience different resorts). For more, check out Method to the Magic's video on split stays.

 We used 4th Night Free to save on Animal Kingdom Lodge!

We used 4th Night Free to save on Animal Kingdom Lodge!

We did this back in January, when we split nine nights between Animal Kingdom Lodge (Club Level) and Beach Club. All we had to do was bring our bags down to bell services at Animal Kingdom Lodge and ask them to send them to Beach Club. When we arrived at Beach Club later that day, we had automatically checked in through My Disney Experience, had our Magic Bands ready to go, and just gave bell services our room number!

Final Thoughts on 4th Night Free at Disney

4th Night Free is a more versatile perk than it looks at first, especially for Disney visits. For example, 4th Night Free can be a good way to fit a resort day into your plans. This will add magic to your trip with no additional cost (well, depending on how you spend the resort day).

Then there's the time we used 4th Night Free to save on our flights. We added a night to the beginning of our trip and booked a late flight out instead of the more expensive flight the next morning that we had planned to take. We saved $116 on flights being able to fly in at night.

 No, seriously, FREE NIGHTS AT DISNEY! We've used this trick multiple times this year to save over $1000 on our Disney trips! Find out how we get free nights at Disney hotels!