ALL Signature Subscription Payment Codes as a Hotel Charge for Credit Card Rewards in 2026

Many readers, including me, have signed up for or are planning to sign up for Accor’s Brazilian subscription product, ALL Signature, which has seen changes to both pricing and benefits over the past year.

Because the annual upfront payment is not small, it is worth paying attention to which credit card you use.

You can access Accor here.

Merchant coding issues often lead to missed bonus points. A common example is the InterContinental Ambassador from IHG, which may post as Business Services rather than an IHG hotel, causing you to miss out if you pay with IHG’s co-branded Chase card.

ALL Signature, by contrast, codes properly and earns 4 points per USD with Chase.

With Visa, the merchant category appears as lodging: hotels, motels and resorts.

Conclusion

One of my biggest frustrations with these kinds of charges is that it is often impossible to know whether a coffee shop, especially an independent one, will code correctly as food and beverage or under some unrelated category.

There are also many hotels that do not code correctly for co-branded card earning purposes, and that has been especially annoying with IHG, including three recent stays that did not post as IHG hotel charges.

I am pleased that this ALL Signature purchase is correctly categorized as a hotel charge, since that type of spending is often eligible for bonus earnings on many cards. I am not certain, however, whether it is specifically categorized as Accor.

You may wonder why this matters.

The nearly 6,000 points earned on this transaction are worth roughly 6,000 airline miles or about $120 in select travel bookings through Chase.