The Best Credit Card Points for Accor: Bilt Wins
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.
Stop guessing at point values. Look up the real award price and live availability for a specific trip before you transfer.
Search award stays on rooms.aero →Frequently asked questions
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