I just booked the Hyatt Zilara Cancun using the Citi 4th Night Free. The rate I was quoted was equivalent to the rate listed on hyatt.com. The process was very smooth. I emailed Citi Prestige concierge directly, verses calling for a quote, and got a reply in less than 24 hours. I then replied to the email stating I wanted to confirm the booking, and received a phone call 10 minutes later from an agent who conferenced in CWT, and then confirmed the booking. Shortly there after, I received an email confirming the booking and confirming I would receive a credit for the 4th night- $438.00!