By Bryce Casson, Founder · Cardocrat · Updated June 2026
The short answer: Accor Live Limitless takes transfers from Bilt, Capital One, and Citi, but at very different ratios: Bilt moves 3 to 2, while Capital One and Citi move 2 to 1. That difference is huge, so for Accor you should almost always use Bilt, and even then only when a stay and ideally a transfer bonus make the math work.
Same partner, very different ratios
This is the clearest case of a shared partner where the bank matters enormously. Bilt transfers to Accor at 3 to 2, so 1,000 Bilt points become about 1,500 Accor points. Capital One and Citi transfer at 2 to 1, so 1,000 of their points become only 500 Accor points, a third of what Bilt delivers per point. Same destination, very different value. See our Accor guide.
What that means in cents
Accor points are worth about 2 cents each at the fixed 2,000-for-40-euros rate. Through Bilt at 3 to 2, that puts Bilt points around 3 cents each via Accor in raw terms, strong value. Through Capital One or Citi at 2 to 1, the underlying points come back to roughly a cent each, no better than cashing out. The ratio is the whole story. See what points are worth.
The opportunity cost and bonuses
Even with Bilt, transfer only when you have an Accor stay in mind, since the points are also useful elsewhere. For Capital One and Citi, the 2-to-1 ratio means you should generally wait for a transfer bonus, which can lift the effective rate, before moving points to Accor. See how to use a transfer bonus.
Frequently asked questions
Which bank transfers best to Accor?
Bilt, by a wide margin. Bilt moves 3 to 2 while Capital One and Citi move 2 to 1, so Bilt delivers about three times as many Accor points per bank point as the others.
Is it worth transferring Capital One or Citi to Accor?
Generally only during a transfer bonus. At the standard 2-to-1 ratio, the underlying points come back to roughly a cent each, so a bonus is usually needed to make it worthwhile.
How much are Accor points worth?
About 2 cents each at the fixed 2,000-points-for-40-euros redemption. Whether that is a good deal for your bank points depends entirely on the transfer ratio, which is why Bilt wins.
Bryce Casson, Founder of Cardocrat. Every card is ranked by what it actually returns, with all points valued at a flat 1 cent and offers verified against issuer sources. About the author.
