Originally Posted by madbrain

I have all 3 cards as well. I have not found the Citi 4th night benefit to be useful. Reasons :
- Citi concierge only goes by the rates on the hotel web site, not Expedia or other aggregators. And you can often find much better rates there for the same room / same type of rate (refundable/breakfast/etc), frequently 15-20 percent off . The 4th night benefit would save money, but it only ends up being $10 - $20 per reservation due to this.