ALL – Accor Live Limitless Loyalty Program – Full Review [2025]

Loyalty Program Overview

Accor Hotel Group has over 4,200 hotels worldwide, offering a vast selection of properties for every budget and occasion. Its loyalty program is ALL – Accor Live Limitless, offering a number of points and elite-status tiers that allow you to get outsized value from your stays.

Here’s everything you need to know about the Accor Live Limitless program:

Joining ALL – Accor Live Limitless

Register online for a free ALL account.

How To Sign In to Your ALL – Accor Live Limitless Account

Sign in on the ALL – Accor Live Limitless homepage. You’ll need to enter your email address and password.

Viewing Your Account Activity

Your ALL – Accor Live Limitless account overview page shows your points balance, your member number, your bookings, and your profile information.

Points Expiration

Reward points expire after 365 days of inactivity. Any eligible stay that earns or redeems points extends point expiration by 365 days.

ALL – Accor Live Limitless Elite status

Accor Live Limitless has 6 status tiers: Classic, Silver, Gold, Platinum, and Diamond. You can earn ALL elite status by completing a certain number of nights or earning a certain number of status points based on spending.

Let’s review all of the major benefits of ALL – Accor Live Limitless elite status:

Earning ALL – Accor Live Limitless Elite Status

ALL – Accor Live Limitless status is earned on a calendar-year basis. You can earn all elite status tiers except Diamond status based on stays in a calendar year. ALL Diamond requires a significant amount of eligible spending during your stays to qualify and cannot be achieved through stays alone.

For example, if you want to qualify for Platinum status, you must either stay at least 60 nights in a calendar year or make €5,600 (~$6,400) in eligible purchases during your stays every year. That’s because you’ll earn 25 status points for every €10 (~$12) spent. You need 14,000 status points to qualify for ALL Platinum.

If you generally tend to book fewer stays but spend more at the property during each stay, it might be easier to qualify based on status points via purchases.

On the other hand, if you tend to book lots of stays but spend less during each stay, it’ll probably be easier to qualify based on nights.

Here’s how many status points you’ll earn by brand:

With all that being said, here’s the minimum required spending to qualify for each elite tier, assuming you are earning 25 status points per €10 (~$12) spent.

Once you’ve earned elite status, you’ll keep it for the remainder of the current calendar year and through the end of the next year.

Value of ALL – Accor Live Limitless Elite Status

ALL Silver offers little in the way of hotel benefits, but some of the selling points of this tier include late checkout (subject to availability) and a welcome drink. Members also earn 24% bonus points on paid stays.

ALL Gold gets you category room upgrades (subject to availability, excluding suites), a welcome amenity upon check-in, and early check-in or late checkout. ALL Gold members earn 48% bonus points on paid stays.

ALL Platinum is where it really starts to get interesting because you’re entitled to 2 Suite Night Upgrades, as well as premium Wi-Fi, early check-in, late checkout, complimentary breakfast every day at Asia Pacific properties, access to Executive Lounges (excludes Fairmont Gold), complimentary soft drinks from the minibar, ironing services, and hotel restaurant and bar benefits. ALL Platinum members earn 78% bonus points on paid stays.

ALL Diamond is the top-tier status that gets you complimentary breakfast on weekends worldwide (in addition to daily breakfast at Asia Pacific properties), 4 dining and spa reward vouchers (worth €25 (~$29) each), and the ability to gift someone Gold status. ALL Diamond members earn 100% bonus points on paid stays.

Bottom Line: ALL Platinum is probably the best tier to pursue. You’ll get the most incremental perks, including breakfast in Asia Pacific, check-in and checkout benefits, as well as access to Executive Lounges and 2 Suite Night Upgrades.

ALL PLUS ibis

Accor also offers a fee-based ALL PLUS ibis membership for €99 ($113) annually. Benefits include a 15% room discount, 10 Status Nights, guaranteed room availability up to 2 days before your stay, and all the benefits of ALL Silver status.

How To Earn ALL Reward Points

There are plenty of ways to earn Reward points, and the most obvious is to book stays with its brands.

Earning Points on Hotel Stays

Base Points: ALL – All Accor Live Limitless members earn 5 to 25 points per €10 spent, depending on their status and hotel brand. Depending on your elite status, you may earn 25-75% bonus points during your stay.

Here’s how many points you earn by brand and elite status (€10 is roughly equal to around $12 according to exchange rates at the time of publishing):

In addition to earning points on hotel spending, ALL members can earn 100 Reward points per day for skipping housekeeping.

Earning Points With Airline Partners

Accor has partnerships with 13 airlines, allowing ALL members to earn points on flights or convert existing miles to ALL points.

Aegean Miles+Bonus

• Convert 2,000 miles to 500 ALL Reward points

Air France-KLM Flying Blue

• Earn 1 Reward point for every €2 spent in addition to Flying Blue miles
• Convert 4,000 Flying Blue Miles to 1,000 Reward points

Azul Fidelidade

• Earn 1 Reward point for every €7.5 spent on eligible Azul flights
• Convert 10,000 Azul points into 1,000 Reward points

Emirates Skywards

• Convert 4,000 Skywards Miles to 1,000 Reward points

Finnair Plus

• Convert 2,300 Skywards Miles to 500 Reward points

GOL Smiles

• Convert 8,000 Smiles miles to 1,000 Reward points

ITA Airways Volare

• Convert 4,000 Volare points to 1,000 Reward points

Japan Airlines Mileage Bank

• Convert 5,000 JAL miles to 1,000 Reward Points or 10,000 JAL miles to 4,000 Reward Points

Juneyo Air Club

• Convert 200 Juneyao Air Club Points to 800 Reward points

LATAM Pass Brazil

• Convert 5,680 LATAM Pass Brazil points to 1,000 Reward points

Qantas Frequent Flyer

• Earn 3 Reward points for every A$1 spent in addition to Qantas miles

Qatar Airways Privilege Club

• Earn 1 Reward point for every $2 spent on flights, in addition to Avios
• Convert 4,500 Avios to 1,000 Reward points

Singapore KrisFlyer

• Convert 4,500 KrisFlyer miles to 1,000 Reward points

Earning Points with Orient Express

Members of Accor Live Limitless can earn points on La Dolce Vita Orient Express trips. The number of points earned depends on your status level:

• Classic: 2,500 points per €1,000 spent
• Silver: 3,100 points per €1,000 spent
• Gold: 3,700 points per €1,000 spent
• Platinum: 4,400 points per €1,000 spent
• Diamond: 5,000 points per €1,000 spent

In addition to generous rewards, ALL members can earn instant elite status for booking certain cabins on Dolce Vita Orient Express journeys:

• Gold status for a Deluxe cabin
• Platinum status for a Suite cabin

Earning Points With Partners

In addition to hotel stays and elite status bonuses on said hotel stays, you’ll find that ALL’s list of lifestyle partners is expansive, enabling you to earn points on private home and villa rentals, online shopping, restaurants, shopping, and even co-working spaces!

Branded and Partnered Credit Cards

Bilt Credit Cards

Bilt Rewards points transfer at a 3:2 ratio to Accor Live Limitless and you can earn Bilt points primarily through the Bilt Mastercard. The card earns 1X points on rent, 2X points on travel and 3X points on dining.

There are better ways to redeem Bilt Rewards for maximum value than transferring them to Accor. However, it’s a nice option to have if you ever need to top off your balance for a reward.

Capital One Miles Credit Cards

Capital One miles can be transferred to ALL – Accor Live Limitless in around 36 hours at a ratio of 2:1. This is a decent use of Capital One miles for hotels because you can get around 1.1 to 1.2 cents per point in value, compared to the standard 1 cent per point of value.

However, you’ll get better value redeeming your Capital One miles for business or first class flights.

Recommended Capital One Cards

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: Purchases: 19.99% - 29.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 29.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Offer Valuation*:

$360

Annual Fee

$0

APR

Purchases: 0% intro APR on purchases for 15 months; variable 19.24% - 29.24% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: Purchases: 0% intro APR on purchases for 15 months; variable 19.24% - 29.24% thereafter
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Business owners can also choose from a few Capital One business credit cards.

Citi ThankYou Points Credit Cards

Citi ThankYou Points can be transferred to ALL – Accor Live Limitless at a 2:1 ratio. That means it will take 2 Citi ThankYou Points to make 1 ALL Reward point.

This is an OK but not great deal, since we value Citi ThankYou Points at 1.6 cents each.

Recommended Citi Cards

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

60,000 points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

20.24% - 28.24% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 20.24% - 28.24% Variable APR
• Foreign Transaction Fees: None

Citi Rewards+^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

*The information regarding the Citi Rewards+ card has expired, and the card is no longer open to applicants.

Citi Rewards+^® Card

*The information regarding the Citi Rewards+ card has expired, and the card is no longer open to applicants.

Welcome Offer

No offer available

No offer available

UP's Offer Valuation*:

$0

Annual Fee

$0

APR

17.74% to 27.74% variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit Recommended (670-840)

Why We Like This Card

The Citi Rewards+ card is an excellent way to earn Citi ThankYou points with a $0 annual fee while receiving perks like point round-ups, a 10% point redemption rebate, and more.

Pros & Cons

Pros

• 5x points on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025
• 2x points on at supermarkets and gas stations for the first $6,000 per year
• Round up to the nearest 10 points on every purchase

Cons

• Doesn’t offer access to the entire collection of Citi transfer partners
• Charges foreign transaction fees

Read Full Review

Card Highlights

• No welcome offer available.
• Earn a total of 5 Thank You^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.*
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No annual fee.

Financial Snapshot

• APR: 17.74% to 27.74% variable
• Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

18.24% to 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^® portal.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

• APR: 18.24% to 28.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Citi Custom Cash^® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Welcome Offer

Earn $200 cash-back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash-back.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, with a $0 annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros & Cons

Pros

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• $0 annual fee
• Multiple redemption options

Cons

• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Get 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
• Earn an additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• $0 annual fee.
• Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
• Foreign Transaction Fees: 3%

How To Redeem Reward Points

Once you’ve earned enough Reward points, you’ll want to redeem them! ALL offers plenty of ways to redeem your points, so it’s important to know which ones will become the most valuable to you.

Some of the available redemption options include:

• Pay with points at ALL properties
• Pay with points at onefinestay (private home and villa rentals)
• Shopping
• Experiences
• Charity
• Car rentals
• Transfers to frequent flyer programs

Free Nights at ALL Properties

When you redeem your points at ALL properties, you’ll get a fixed redemption value of €20 (~$23) off for every 1,000 Reward points you redeem, which is equal to about 2.3 cents per point.

Private Home and Villa Rentals

You can redeem points at onefinestay according to the following increments:

• 5,000 Reward points = €100 (~$115)
• 25,000 Reward points = €500 (~$574)
• 50,000 Reward points = €1,000 (~$1,148)
• 250,000 Reward points = €5,000 (~$5,740)

Shopping and Experiences

ALL has a shopping portal through which you can redeem points for various merchandise, such as wine, knives, bags, Apple accessories, and luggage.

The redemption value will vary, but you will always get a poor value, around 0.7 cents per point.

In the same portal, you can also book experiences, ranging from football games to dining experiences.

Charity

When you donate to Accor Solidarity, you will redeem 2,000 Reward points for every €40 (~$46) donated.

Through Plant for the Planet, you can also plant 6 trees for every 2,000 Reward points redeemed.

Car Rentals

Currently, you can redeem Reward points at Europcar (2,000 points for €20 (~$23), Die Bahn (convert 2,000 Reward points to 1,000 Bahn Bonus points), and Eurostar (4,000 points for 350 Club Eurostar points.

Transfer to Frequent Flyer Programs

One of the more useful ways to redeem your Reward points is to transfer them to more than a dozen frequent flyer programs around the world.

Here’s the complete table: