If you’ve ever looked at Accor Live Limitless (ALL) and wondered how their points actually work, here’s a simple walkthrough so you can figure out whether transferring points into ALL makes sense for your next hotel stay.
Accor uses a fixed-value system. There are no peak dates, no dynamic charts, and no wild swings. Their math is straightforward:
2,000 ALL points = €40 off your stay (from shared DPs).
That means each point is worth 2 euro cents, every time.
To figure out how many points you need, convert your hotel cost into euros, divide by 40, and multiply by 2,000. Here’s what that looked like for two real examples:
Example 1: A 3-night stay costing $1,106.04
You’d need about 51,230 ALL points.
Example 2: A stay costing $1,717.55
You’d need about 79,500 ALL points.
Once you know how many ALL points you need, the next step is figuring out how many transferable points that equals across different ecosystems. Not every program transfers at the same rate, so the value you get varies a lot.
Here’s how the main transfer partners compare:
BILT → ALL: 3 to 2
You get 1.5 ALL points for every 1 Bilt point.
- To get 51,230 ALL points, you’d need about 34,154 Bilt points.
- To get 79,500 ALL points, you’d need about 53,000 Bilt points.
This is the best ratio out of the major programs.
Capital One → ALL: 2 to 1
You get 0.5 ALL points for every 1 Capital One mile.
- For the first hotel: about 102,462 Capital One miles.
- For the second: about 159,000 Capital One miles.
Citi → ALL: 2 to 1
Same math as Capital One.
- You’d need 102,460 Citi points or 159,000 Citi points, depending on the hotel.
Rove Miles → ALL: 1.5 to 1
Same math as BILT above.
- First hotel: about 34,154 Rove Miles.
- Second hotel: about 53,000 Rove Miles.
You can’t buy ALL points outright, but you can still use them flexibly through “Limitless Experiences”. When you shop in that portal, you choose how much of your purchase you want to cover with points and how much with cash using their FlexPay slider. Some items require points only, but most let you mix the two. You just need at least 2,000 points to start, and the value is fixed at 2,000 points = €20. And bonus, it’s an easy way to use up leftover points or top off something you really want without needing a full redemption.
A lot of people overlook Accor because they’re not as common in the US, but they have some great hotels in Europe and Asia, and their fixed-value setup makes planning easy. If you like knowing exactly what your points are worth instead of guessing at dynamic pricing, ALL is one of the cleanest programs out there.
If you’re sitting on Bilt points, they stretch the farthest here. Capital One and Citi work fine too, but they’ll cost you roughly double. And if you earn Rove Miles, it’s still an option, just not as efficient as Bilt.
If you ever want help checking the math for a specific hotel, drop it in the group and we can walk through it together.
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