Loyalty Program Overview
Accor has branded its loyalty program as ALL – Accor Live Limitless (formerly Le Club AccorHotels).
ALL offers a number of points and elite-status tiers that allow you to get outsized value from your stays.
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.
Platinum and Diamond Hotel Benefits
If you have Platinum or Diamond status, you’ll enjoy a variety of benefits above and beyond those afforded to lower-tier members.
Benefits vary by brand and status level, but they include discounts at the spa, free premium Wi-Fi, complimentary breakfast, dining and spa vouchers, and Gold status gifting (for Diamond members only).
Points Expiration
Reward points expire after 365 days of inactivity. Any eligible stay that earns or redeems points extends point expiration by 365 days.
» Related:
ALL – Accor Live Limitless Rewards Program
ALL – Accor Live Limitless Elite Status
Let’s review all of the major benefits of ALL – Accor Live Limitless elite status:
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| Status Level | Classic | Silver | Gold | Platinum | Diamond |
| Qualify With | 0 to 9 nights/year | 10 to 29 nights/year or €800 (~$930) in eligible expenses per year (2,000 status points) | 30 to 59 nights/year or €2,800 (~$3,260) in eligible expenses per year (7,000 status points) | 60 to 74 nights/year or €5,600 (~$6,520) in eligible expenses per year (14,000 status points) | €10,400 (~$12,100) in eligible expenses per year (26,000 status points) |
| Benefits During Booking | |||||
| ALL customer care | X | X | X | Dedicated line | |
| Member rates: discounts at more than 3,000 hotels starting with your first reservation | X | X | X | X | X |
| Advance access to private sales on all.accor.com | X | X | X | X | X |
| Guaranteed room availability | Priority waiting list only for Swissôtel properties | Up to 3 days before arrival | Up to 2 days before arrival | ||
| Suite Night Upgrade | X | X | |||
| Benefits During Your Stay | |||||
| Online check-in, fast checkout | X | X | X | X | X |
| Free internet access worldwide | X | X | X | Premium Wi-Fi (if available at the hotel) | |
| Complimentary local phone calls | X | X | X | X | X |
| Daily newspaper | X | X | X | X | X |
| Health Club & Sports facilities | X | X | X | X | X |
| Discounts on hotel spa treatments and products | 10% off Willow Stream Spa products and treatments at Fairmont hotels | 20% discount only at Swissôtel properties 10% off Willow Stream Spa products and treatments at Fairmont hotels | 10% discount at Raffles Spa treatments and at Thalassa sea & spa institutes 20% discount only at Swissôtel properties 10% off Willow Stream Spa treatments and products at Fairmont hotels | ||
| Discount at hotel retail stores | 10% off at Fairmont retail stores | 10% off at Fairmont retail stores 10% off at Raffles retail stores | |||
| Priority welcome | Only at Fairmont | X | X | X | X |
Early check-in/late check-out upon request (subject to availability) | Late checkout | Early check-in OR late checkout | Early check-in AND late checkout | ||
| Welcome drink | X | X | X | X | |
| Turndown service | X | X | X | X | |
| Welcome amenity | X | X | X | ||
Upgrade to the next room category (subject to availability) | X | X | X | ||
| Complimentary breakfast | Every day in Asia Pacific only | On weekends worldwide and every day in Asia Pacific only | |||
| Access to Executive Lounge, if available at the hotel (excluding Fairmont Gold) | X | X | |||
| Complimentary soft drinks from the minibar | X | X | |||
| Ironing service | X | X | |||
| Benefits in the hotel restaurants and bars | X | X | |||
Dining and spa rewards | X | ||||
| Other Benefits | |||||
| Advance access to presale tickets at the Accor Arena in Paris | X | X | X | X | X |
| Rental car services | X | X | X | X | X |
| Preferential rates at more than 1,000 airport lounges worldwide | 10% discount with partners | 13% discount with partners | 14% discount with partners | 15% discount with partners | |
| Free hand luggage service with partner | $25 discount on your first order, plus complimentary insurance coverage | $50 discount on your first order, 6% discount for following orders, plus complimentary insurance coverage | $75 discount on your first order, 8.5% discount for following orders, plus complimentary insurance coverage | $100 discount on your first order, 11% discount for following orders, plus complimentary insurance coverage and service upgrade | |
| Other partner advantages | X | X | X | X | X |
| Gift the person of your choice with a higher status | Gift Gold status |
MyResorts Benefits
In addition, if you’re staying at a resort property in Asia or Oceania, you’ll get the following additional benefits through the MyResorts program:
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| Status Level | Classic | Silver | Gold | Platinum |
| MyGlass An exclusive, value-for-money beverage experience (fee) | X | X | X | X |
| MyKids Access experiences for kids, from fun activities to delicious meals and more (fee). | X | X | X | X |
| MyConnect Connect to complimentary internet on all of your devices. | X | X | X | |
| MyExtratime Enjoy certain “essential room comforts” (for example, complimentary use of executive lounge when your room is not yet available, early check-in, or late checkout) when arriving or departing outside the standard times. | X | X | X | |
| MyUpgrade Enjoy an upgrade of your room experience (subject to availability). | X | X | ||
| MyHost Access to a single point of contact and support during your stay at participating resorts. | X | X | ||
| MyGuest Extend the benefits linked to your Platinum status to only 1 guest who is staying at the same participating resort at the same time and for the same duration as the member who has booked 1 room under the guest’s name or is staying under the same reservation as the member. | X | |||
| MyRewards Complimentary surprise gifts and exclusive offers upon check-in | X |
ibis BUSINESS Card
Accor also offers a fee-based ibis BUSINESS Card for €90 (~$105) annually. Benefits include a 10% room and restaurant/bar discount, guaranteed room availability up to 48 hours before your stay, and all the benefits of ALL Gold status at over 2,000 ibis, ibis Styles, and ibis budget hotels.
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.
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 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 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.
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.
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 yearor make €5,600 (~$6,520) 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.
Stays at Mama Shelter, Adagio, Adagio Access, ibis, and ibis Styles are not eligible to accrue status points.
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.
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| Elite Tier | # of Nights | Status Points |
| Silver | 0 stays | 2,000 |
| Gold | 10 stays | 7,000 |
| Platinum | 30 nights | 14,000 |
| Diamond | 60 stays | 26,000 |
Here’s how many status points you’ll earn by brand:
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| Adagio Access, Jo&Joe, and Greet | Mantra, Peppers, BreakFree, Art Series, and Adagio | Ibis, Ibis Styles, and Mama Shelter | All Other Accor Brands |
| 5 status points per €10 (~$12) spent | 10 status points per €10 (~$12) spent | 12.5 status points per €10 (~$12) spent | 25 status points per €10 (~$12) spent |
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.
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| Elite Tier | Minimum Required Spending |
| Silver | €800 (~$930) |
| Gold | €2,800 (~$3,260) |
| Platinum | €5,600 (~$6,520) |
| Diamond | €10,400 (~$12,100) |
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.
How To Earn 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 Stays
Base Points: ALL – All Accor Live Limitless members earn 5 to 25 points per €10 spent. Classic members earn 5 points per €10 (~$12) spent at Adagio Access, Jo&Joe, and Greet properties. That goes up to 10 points per €10 spent at Mantra, Peppers, BreakFree, Art Series, and Adagio properties. Classic members also earn 12.5 points per €10 spent at Ibis, Ibis Styles, and Mama Shelter. Lastly, Classic members will earn 25 points per €10 spent at all other Accor brands.
Elite Status Bonus:Depending on your elite status, you may earn 25% to 75% bonus points during your stay! Here’s how many points you earn by brand and elite status (€10 is roughly equal to $12 according to exchange rates at the time of publishing):
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| Elite Status Tier | Adagio Access, Jo&Joe, and Greet | Mantra, Peppers, BreakFree, Art Series, and Adagio | Ibis, Ibis Styles, and Mama Shelter | All Other Accor Brands |
| Classic | 5 points per €10 spent | 10 points per €10 spent | 12.5 points per €10 spent | 25 points per €10 spent |
| Silver | 6.25 points per €10 spent | 12.5 points per €10 spent | 15.5 points per €10 spent | 31 points per €10 spent |
| Gold | 7.5 points per €10 spent | 15 points per €10 spent | 18.5 points per €10 spent | 37 points per €10 spent |
| Platinum | 8.75 points per €10 spent | 17.5 points per €10 spent | 22 points per €10 spent | 44 points per €10 spent |
| Diamond | 8.75 points per €10 spent | 17.5 points per €10 spent | 22 points per €10 spent | 44 points per €10 spent |
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, restaurants, shopping, and even co-working spaces!
Transfer Points Between Accounts
Currently, you cannot transfer Reward points to another individual.
Branded and Partnered Credit Cards
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
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 in's and out's 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.
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
$1,350
$395
19.99% - 29.99% (Variable)
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)
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
- 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
- 5x miles per $1 on flights purchased through Capital One Travel
- 2x miles per $1 on all other purchases
Cons
- $395 annual fee ()
- 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
- 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 booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
- APR: 19.99% - 29.99% (Variable)
- Foreign Transaction Fees:None
Rewards Center
Capital One Miles
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 in's and out's 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!
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.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
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)
The Capital One Venture Rewards Credit Cardis 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
- 5x miles per $1 on hotels and rental cars booked through Capital One Travel
- 2x miles per $1 on all other purchases
- Global Entry or TSA PreCheck application fee credit
Cons
- $95 annual fee ()
- Limited elite benefits
Read Full Review
- 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 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 $100 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
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
- APR: 19.99% - 29.99% (Variable)
- Foreign Transaction Fees:None
Rewards Center
Capital One Miles
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 in's and out's 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.
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
$360
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
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)
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
- No annual fee ()
- No foreign transaction 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
- $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; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Financial Snapshot
- APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
- 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 okay, but not great, deal since we value Citi ThankYou Points at 1.6 cents each.
Recommended Citi Cards
Citi Premier® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 Premier card has expired, and the card is no longer open to applicants.
Citi Premier® Card
*The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
60,000 points
$960
$95
21.24% - 29.24% Variable
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)
The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
Pros
- 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
- Access to Citi transfer partners
- Annual hotel credit
Cons
- $95 annual fee
Read Full Review
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
- 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: 21.24% - 29.24% Variable
- Foreign Transaction Fees:None
Rewards Center
Citi ThankYou Rewards
Citi Rewards+® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
Citi Rewards+® Card
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
20,000 points
$320
$0
0% intro APR on balance transfers and on purchases for 15 months. After that, the variable APR of 18.74% - 28.74%.
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)
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, as a special offer, 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.*
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. 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).
- 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: 0% intro APR on balance transfers and on purchases for 15 months. After that, the variable APR of 18.74% - 28.74%.
- 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 in's and out's 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!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
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)
The Citi Double Cash® Cardhas 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
- 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
- Bonus 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.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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).
- Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
- APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% 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 in's and out's 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, with no annual fee!
Citi Custom Cash® Card
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.
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)
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, without an 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
- 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
- No 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
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- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, 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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked via the Citi Travel℠ portal through 6/30/2025.
- 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.
- No 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 19.24% - 29.24%.
- 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 €40 (~$47) off for every 2,000 Reward points you redeem, which is equal to about 2.35 cents per point.
Private Home and Villa Rentals
You can redeem points at onefinestay according to the following increments:
- 7,200 Reward points = €100 (~$116)
- 36,000 Reward points = €500 (~$582)
- 72,000 Reward points = €1,000 (~$1,164)
- 360,000 Reward points = €5,000 (~$5,820)
This nets you a value of approximately 1.6 cents per point.
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 (~$47) 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 30 frequent flyer programs around the world.
Here’s the complete table:
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| Frequent Flyer Program | Transfer Ratio (ALL > Airline Partner) | Frequent Flyer Program | Transfer Ratio (ALL > Airline Partner) |
| Aegean and Olympic Air | 2,000:1,000 | Iberia Plus | 3,000:3,000 |
| Aeroflot Bonus | 2,000:1,000 | Japan Airlines Mileage Bank | 4,000:2,000 |
| Aeromexico Club Premier | 4,000:2,000 | Korean Air SKYPASS | 4,000:2,000 |
| Air Canada Aeroplan | 4,000:2,000 | LATAM Pass (excluding LATAM Pass Brazil) | 4,000:2,000 |
| Air China PhoenixMiles | 4,000:3,200 | LATAM Pass Brazil | 2:1 |
| Air France/KLM Flying Blue | 2,000:1,000 | Oman Air Sindbad | 4,000:1,500 |
| Avianca LifeMiles | 4,000:2,000 | Qantas Frequent Flyer | 2,000:2,000 |
| Azul TudoAzul | 2,000:1,000 | Qatar Airways Privilege Club | 2,000:1,000 |
| British Airways Executive Club | 4,000:2,000 | GOL Smiles | 4,000:2,000 |
| Cathay Pacific Asia Miles | 4,000:2,000 | Singapore Airlines KrisFlyer | 4,000:2,000 |
| Delta SkyMiles | 4,000:2,000 | 4,000:2,000 | |
| Emirates Skywards | 4,000:2,000 | Thai Airways Royal Orchid Plus | 4,000:2,000 |
| Etihad Guest | 4,000:2,000 | Turkish Airlines Miles&Smiles | 4,000:2,000 |
| Finnair Plus | 2,000:2,000 | United MileagePlus | 2,000:1,000 |
| Hainan Airlines Fortune Wings Club | 2,000:1,000 | Virgin Australia Velocity | 4,000:4,000 |
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Premier® Card has expired and the card is no longer open to applicants.
The information regarding the Citi Rewards+® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Double Cash®Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Custom Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
