Accor Live Limitless (ALL) Transfer Partners

Last updated: February 2026

Only three U.S. credit card point currencies transfer directly to Accor Live Limitless (ALL), and none of them convert at a 1:1 ratio. That matters because a bad transfer can permanently destroy value — points sent to Accor cannot be reversed. This guide covers every Accor Live Limitless (ALL) transfer partner available in 2026, the exact conversion math, when transferring actually makes sense, and the mistakes that cost travelers the most.

Accor’s loyalty program covers more than 5,600 hotels across 45+ brands, from budget (ibis) to ultra-luxury (Raffles, Fairmont, Sofitel). But unlike Marriott Bonvoy or Hilton Honors, Accor has a much smaller footprint as a transfer partner destination. If you’re holding Capital One miles, Bilt points, or Rove miles, this page explains exactly what you’re getting — and what you’re giving up — when you move points into ALL.

Key Takeaways

• Only three bank programs transfer directly to Accor ALL: Capital One Miles (2:1), Bilt Rewards (3:2), and Rove Miles (3:2). Chase, Amex, Citi, and Wells Fargo do not transfer to Accor.
• No transfer is 1:1. You always lose points in the conversion. At Capital One’s 2:1 ratio, 1,000 Capital One miles become just 500 ALL points.
• Transfers are irreversible. Once points move to Accor, they cannot be returned to your bank account. Confirm your redemption plan before transferring.
• Accor points are generally valued around 1.5–2.2 cents each for hotel stays, but that value fluctuates with dynamic pricing. Always check the cash rate and do the math before committing.
• Transfer bonuses occasionally appear and can dramatically improve the math. Watch for promotions, but verify them independently before acting.

Quick Answer: Which Programs Transfer to Accor ALL?

Three credit card point programs transfer directly to Accor Live Limitless. No others do. Here’s the complete picture:

For a complete view of which bank programs transfer to which banks, see the full credit card transfer partners table.

What Is Accor Live Limitless (ALL)?

Accor Live Limitless is the loyalty program for Accor, one of the world’s largest hotel groups. The program spans economy brands like ibis and Novotel up through premium and luxury brands, including Sofitel, Fairmont, Banyan Tree, and Raffles.

Key program features for points travelers:

• Dynamic award pricing. ALL does not use a fixed award chart. The number of points required for a free night varies by property, date, and demand — just as with Hilton Honors.
• Points + Cash options. Members can combine points with a cash payment to cover stays.
• Airline transfer partners. ALL points can also be converted to airline miles (typically at 2:1 or worse), though this is generally a poor-value move and not the focus of this guide.
• ALL Accor+ subscription. Launched in January 2026, the Voyager tier (€199/year) offers 15% accommodation discounts and 20 status nights. This subscription can change the math on whether transferring points makes sense, since the discount reduces the cash rate you’re comparing against.

Best for: Travelers with upcoming stays at Accor properties in Europe, the Middle East, Asia-Pacific, or Africa, where Accor has its strongest presence. Also useful for luxury redemptions at Raffles or Fairmont properties where cash rates are high.

Not for: Travelers focused on North American hotel stays, where Accor’s footprint is much thinner than Marriott’s or Hilton’s.

Accor Live Limitless (ALL) Transfer Partners: Detailed Ratio Breakdown

Understanding the transfer ratios in plain English is critical because non-1:1 conversions are easy to miscalculate.

Capital One Miles → Accor ALL (2:1)

For every 2 Capital One miles you transfer, you receive 1 ALL point. That means 1,000 Capital One miles become 500 ALL points.

This is the steepest conversion loss among Accor’s bank partners. Capital One miles are generally valued around 1.5–1.85 cents each (based on portal redemptions and other transfer partners), so sending them to Accor at 2:1 requires a high-value Accor redemption to justify the cost.

For more on how Capital One miles work across all their partners, see the Capital One Miles transfer partners guide.

Choose Capital One → Accor if: You have a specific high-value Accor redemption identified (luxury property, high cash rate) and Capital One is your only available transfer currency. Otherwise, Capital One miles often deliver better value through airline partners like Air Canada Aeroplan or Avianca LifeMiles.

Bilt Rewards → Accor ALL (3:2)

For every 3 Bilt points you transfer, you receive 2 ALL points. That means 1,000 Bilt points are approximately equivalent to 667 ALL points.

This is a better ratio than Capital One’s 2:1. Bilt points are versatile — they transfer to a wide range of airline and hotel partners — so the opportunity cost of sending them to Accor is real but more manageable.

For the full list of Bilt destinations, check the Bilt Rewards transfer partners guide.

Choose Bilt → Accor if: You’ve confirmed award availability at an Accor property and the cents-per-point value exceeds what you’d get from Bilt’s airline or Hyatt transfer options.

Rove Miles → Accor ALL (3:2)

For every 3 Rove miles you transfer, you receive 2 ALL points. Same math as Bilt: 1,000 Rove miles become approximately 667 ALL points.

Rove is a newer entrant in the transferable points space. For a full overview, see the Rove Miles transfer partners guide.

Choose Rove → Accor if: Similar logic to Bilt. Rove’s partner list is still developing, so Accor may be a stronger option within Rove’s ecosystem than what Bilt or Capital One holders have available.

How to Calculate Whether an Accor Transfer Is Worth It

Before transferring any points, run the numbers. Here’s a simple framework using the Award Travel Hub calculators.

Step-by-Step Value Check

1. Find the cash rate. Search for your Accor hotel stay on the Accor website and note the total cash price (including taxes and fees). Example: a two-night stay at a Sofitel in Paris costs $600.

   
   

2. Find the points rate. Check how many ALL points the same stay requires. Example: 40,000 ALL points.

   
   

3. Calculate the cents per point (CPP) for ALL points. Divide the cash price by the points required:

   • $600 ÷ 40,000 = 1.5 cents per ALL point

4. Factor in the transfer ratio. If you’re transferring from Bilt at 3:2, you need to send 60,000 Bilt points to get 40,000 ALL points. Now calculate what your Bilt points are effectively worth:

   • $600 ÷ 60,000 Bilt points = 1.0 cent per Bilt point

5. Compare against alternatives. Bilt points can transfer 1:1 to Hyatt, where redemptions often yield 1.5–2.5 cents per point. In this example, using Bilt points for Accor at 1.0 CPP is a worse deal than a typical Hyatt redemption.

   
   

Rule of thumb: A Bilt-to-Accor transfer needs to yield roughly 1.5+ CPP on the ALL side (after the ratio) to compete with Bilt’s best airline and Hyatt options. For Capital One, the bar is even higher — you need about 2.0+ CPP on the ALL side because of the steeper 2:1 ratio.

Use the point value calculators to quickly run these numbers for your specific scenario.

When Does Transferring to Accor ALL Actually Make Sense?

Transferring to Accor is a niche play, not a default strategy. Here are the scenarios where it works:

High Cash-Rate Luxury Properties

Raffles, Fairmont, and Banyan Tree properties can command $500–$1,500+ per night. If the points cost is relatively modest (say, 30,000–50,000 ALL points per night), the CPP math can work out favorably. This is where Accor transfers shine.

Europe, the Middle East, and the Asia-Pacific Stays

Accor’s strongest property density is outside North America. If you’re planning a trip to Paris, Bangkok, Dubai, or Sydney, Accor likely has multiple options at various price points. In North America, you’ll usually find better coverage and value through Hyatt, Marriott, or Hilton.

During Verified Transfer Bonuses

Transfer bonuses periodically appear and can shift the math significantly. For example, Bilt Rewards offered a 100% transfer bonus to ALL that expired February 1, 2026, effectively doubling the points received. At that promotional rate, 1,000 Bilt points became approximately 1,333 ALL points instead of 667 — a dramatic improvement.

Important: Transfer bonuses are time-limited and must be verified before acting. Do not assume a bonus is active based on outdated information. Check the bank’s website or app directly.

Topping Off a Balance

If you already have a significant ALL balance from hotel stays and need a small top-up to cover a redemption, transferring a modest number of bank points can make sense even if the per-point value isn’t exceptional. The alternative — paying cash for the shortfall — might be worse.

When Transferring to Accor ALL Is NOT Worth It

Be honest about when this transfer path falls short:

• Low cash-rate properties. If an ibis or Novotel stay costs $120/night and requires 20,000 ALL points, you’re getting 0.6 CPP — terrible value from any transfer source.
• When airline partners offer better value. Capital One transfers to Air Canada Aeroplan or British Airways Avios for premium cabin awards can yield 2–5+ CPP. Hotel transfers rarely match that.
• Speculative transfers. Never transfer points to Accor “just in case.” Dynamic pricing means the points cost can change, and you can’t reverse the transfer.
• When you have Amex, Chase, or Citi points. These programs don’t transfer to Accor at all. If Accor is your goal and these are your only currencies, you’ll need to earn ALL points directly through hotel stays or the Accor co-branded credit card.

Common Mistakes With Accor Live Limitless (ALL) Transfer Partners

Mistake 1: Transferring before confirming the award price. ALL uses dynamic pricing. The points cost for a room can change between the time you check and the time your points arrive. Always confirm the exact point price, then transfer only what you need.

Mistake 2: Ignoring the transfer ratio in your value calculation. A stay that looks like 2.0 CPP in ALL points might only be 1.0 CPP in Bilt points (after the 3:2 ratio) or 1.0 CPP in Capital One miles (after the 2:1 ratio). Always calculate vthe alue in terms of the bank currency you’re spending.

Mistake 3: Forgetting about taxes and fees. Accor award stays may still include resort fees, city taxes, or other charges not covered by points. Factor these into your total cost comparison.

Mistake 4: Assuming transfer bonuses are always active. Bonus promotions come and go. A 100% bonus that was live last month may be gone today. Verify directly with the bank before transferring.

Mistake 5: Transferring large balances at once. Transfer only what you need for a confirmed or near-confirmed booking. Points sitting idle in an Accor account earn no interest and face devaluation risk from program changes.

How to Transfer Points to Accor ALL: Step-by-Step

The process is similar across all three bank partners:

1. Log in to your bank’s rewards portal (Capital One, Bilt, or Rove).
2. Navigate to the transfer partners section. Look for “Transfer Points” or “Transfer Miles.”
3. Select Accor Live Limitless (ALL) from the partner list.
4. Enter your ALL member number. Make sure it matches exactly — errors can delay or lose your points.
5. Enter the amount to transfer. The portal will show you how many ALL points you’ll receive based on the ratio.
6. Confirm the transfer. Review the details carefully. This is your last chance to cancel.
7. Wait for the transfer to process. Transfer times vary:
   • Capital One → Accor: Typically 1–2 business days
   • Bilt → Accor: Typically 1–2 business days
   • Rove → Accor: Typically 1–2 business days

Tip: Transfer times are estimates, not guarantees. During promotions or system maintenance, delays can extend to 3–5 days. Don’t cut it close to a booking deadline.

Accor ALL Points: What Else Can You Do With Them?

Once points are in your ALL account, you have several redemption options beyond hotel stays:

• Hotel stays (best value). Book directly through the ALL app or website. Dynamic pricing applies.
• Points + Cash. Combine points with a cash co-pay. Useful when you’re short on points.
• Airline mile conversions. ALL points can be transferred to 30+ airline partners, typically at a 2:1 ratio (2 ALL points = 1 airline mile). Some partners offer 1:1 for elite members. However, this is generally considered poor value and is better suited for clearing out small leftover balances.
• Experiences and merchandise. Available but almost always of poor value compared to hotel redemptions.

For travelers interested in airline transfers from hotel points, it’s worth noting that Marriott Bonvoy offers a 5,000-mile bonus for every 60,000 points transferred to airlines, which can make Marriott-to-airline transfers slightly more competitive in certain scenarios.

How Does Accor ALL Compare to Other Hotel Transfer Options?

Bottom line: Hyatt typically offers the best CPP for hotel point transfers due to its 1:1 ratio and category-based pricing. Accor is a strong secondary option for luxury properties in regions where Hyatt has limited presence. Marriott’s massive footprint makes it the most flexible, but dynamic pricing can erode value.

Decision Framework: Should You Transfer to Accor ALL?

Use this checklist before any transfer:

• Have you identified a specific Accor property and dates? Don’t transfer speculatively.
• Have you checked the ALL points price for that stay? Log in to your ALL account and search.
• Have you checked the cash price for the same stay? Include taxes and fees.
• Have you calculated CPP in your bank’s currency? (Not just ALL points — factor in the ratio.)
• Is the CPP better than your next-best alternative? Compare against airline transfers, Hyatt, or portal bookings.
• Is there an active, verified transfer bonus? Check your bank’s app or website directly.
• Are you transferring only what you need? Don’t over-transfer.

If you can check every box, the transfer is likely worthwhile. If you’re uncertain on any point, pause and research further.

Frequently Asked Questions

Can I transfer Chase Ultimate Rewards points to Accor ALL?

No. Chase Ultimate Rewards does not have a direct transfer partnership with Accor Live Limitless. For Chase transfer options, see the Chase transfer partners guide.

Can I transfer Amex Membership Rewards points to Accor ALL?

No. Amex Membership Rewards does not transfer directly to Accor. For Amex options, see the Amex transfer partners guide.

What is the best transfer ratio to Accor ALL?

The best available ratio is 3:2 from either Bilt Rewards or Rove Miles. That gives you approximately 667 ALL points per 1,000 bank points transferred. Capital One’s 2:1 ratio is steeper, yielding only 500 ALL points per 1,000 miles.

How long do Accor ALL point transfers take?

Transfers from Capital One, Bilt, and Rove typically process within 1–2 business days. Delays of 3–5 days can occur during promotions or system issues. Plan accordingly and don’t transfer at the last minute.

Can I reverse a transfer to Accor ALL?

No. Transfers to Accor ALL are permanent and irreversible. Once points leave your bank account, they cannot be returned. Always confirm your booking plan before initiating a transfer.

Are Accor ALL points worth transferring for budget hotels?

Rarely. Budget properties like Ibis or Novotel typically have low cash rates, which means the CPP on a points redemption is poor. Transfers to Accor make the most sense for mid-range to luxury properties where cash rates are high.

Does Accor ALL use an award chart?

No. Accor ALL uses fully dynamic pricing for award stays. The number of points required varies by property, date, room type, and demand. There is no fixed chart to reference.

What happens to my ALL points if I don’t use them?

ALL points expire after 12 months of account inactivity. Any qualifying transaction (earning or redeeming points) resets the clock. Keep your account active to avoid losing points.

Can I transfer Accor ALL points to airline miles?

Yes. ALL points can be converted to 30+ airline partners, typically at a 2:1 ratio (2 ALL points = 1 airline mile). Some elite members get better ratios. However, this is generally poor value and should be considered a last resort for small leftover balances.

Are there minimum transfer amounts?

Minimum transfer amounts vary by bank. Check your specific bank’s transfer portal for current minimums. Typically, minimums are in the range of 1,000–2,000 bank points.

How does the ALL Accor+ subscription affect transfer value?

The ALL Accor+ Voyager tier (€199/year) offers 15% discounts on cash rates. This lowers the cash price you’re comparing against, which can reduce the CPP of a points redemption. Factor in the subscription discount when calculating whether a transfer makes sense.

Should I transfer to Accor or save points for airline partners?

It depends on your travel plans. For premium cabin awards, airline transfers from Capital One or Bilt typically deliver higher CPP (2–5+ cents). Accor transfers are best when you have a specific high-value hotel redemption identified. For guidance on airline options, explore the airlines hub or specific partner guides like Cathay Pacific and Emirates Skywards.

Conclusion and Next Steps

Accor Live Limitless (ALL) transfer partners are limited to three U.S. bank programs in 2026: Capital One Miles (2:1), Bilt Rewards (3:2), and Rove Miles (3:2). None offer a 1:1 conversion, and all transfers are irreversible. That makes this a transfer path that rewards careful planning and punishes impulse decisions.

Here’s what to do next:

1. If you have an upcoming Accor stay: Log in to your ALL account, check the points price, compare it to the cash rate, and calculate CPP using the Award Travel Hub calculators. Factor in the transfer ratio from your bank.

   
   

2. If you’re deciding between Accor and other hotel programs: Compare the CPP against Hyatt (via Chase or Bilt at 1:1) and Marriott (via Amex or Chase). Accor is strongest for luxury properties in Europe, the Middle East, and Asia-Pacific.

   
   

3. If you’re holding Capital One, Bilt, or Rove points with no specific plan: Don’t transfer yet. Keep your points flexible. Watch for transfer bonuses that improve the math, but verify them before acting.

   
   

4. If you hold only Chase, Amex, or Citi points, Accor is not a direct option for you. Consider earning ALL points through Accor hotel stays, or explore the bank transfer partners overview for alternative hotels.

   
   

The best use of transferable points is always the one backed by a specific booking plan and solid math. Accor ALL can deliver strong value in the right situation — just make sure you’ve confirmed it’s the right situation before you hit transfer.

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