This new 'Dis-loyalty' program can save you money on stays, food and coffee at lifestyle hotels
You’ve heard of loyalty programs — but have you heard of programs that reward you for being disloyal, in a roundabout way?
Accor’s Ennismore collection — a group of lifestyle hotel brands that includes 21c Museum Hotels, The Hoxton, Mondrian, SLS, SO/ and Delano — is embracing the idea of disloyalty by launching an all-new paid membership program, cheekily called Dis-loyalty, that gives discounts to people who sign up and stay and eat at 10 of the 14 brands in the collection.
How does Dis-loyalty work?
For $18 per month ($216 per year), members get the following benefits, according to a statement Ennismore shared with TPG ahead of the program's July 27 launch:
- 50% off just opened hotels — during the first three months at any new opening.
- 20% off every first-time stay — at every one of our 75+ hotels, even if they’ve stayed there before joining.
- 10% off return stays — always, whatever the hotel, however many times.
- 10% off food and drink – anytime, in any of our 150+ participating restaurants and bars, for up to six people per member, either at home or on holiday.
- 365 free barista-made drinks (coffee, tea, hot chocolate) — that’s one every day of the year when they sit in at any of our restaurants, bars and coffee shops
The participating hotels are 21c Museum Hotels, 25hours Hotels, Delano, Hyde, Mama Shelter, The Hoxton, Mondrian, Morgans Originals, SO/ and SLS. The discount on the rate, according to a representative from Ennismore, “is based on the Best Flexible Rate” and has no blackout dates, no restrictions and no payment upfront.

Accor's actual loyalty program
If you’re wondering, Accor already does have a loyalty program, Accor Live Limitless, which you can read all about here. But as far as loyalty programs go, it’s certainly different (and the least lucrative of the bunch). Instead of earning points that can be redeemed for free stays, every 2,000 points can knock 40 euros (around $44) off your bill.
Now you might be asking, why would a hotel company with its own loyalty program create a program that encourages disloyalty? Despite the fact that Accor Live Limitless offers perks like room upgrades and various welcome amenities at certain elite member tiers, the main perk is that points translate into a discount.
What exactly is the Dis-loyalty program?
In effect, the new program follows a subscription discount model. Or, in the case of people who live near a participating Ennismore property (like I do), a coffee subscription service that comes with discounts on popular restaurants and hotel stays (and includes iced coffee!).
While the news leaked ahead of TPG’s exclusive announcement of the program, many in the points and miles world were quick to judge, stating that the program is a gimmick geared to and created by millennials.
Maybe so, but many millennials are (typically) more interested in saving on their stays at lifestyle hotels (like the ones Ennismore was designed to create and facilitate) than trying to rack up 60 elite-qualifying nights for top-tier elite status at a brand that has a lot to offer but doesn’t have many brands that cater to their lifestyle, a la lifestyle hotels.
Who will benefit?
As Martina Luger, chief brand and culture officer at Ennismore, explained to TPG, the portfolio’s customer “has slightly different needs than your traditional kind of loyalty member.” Dis-loyalty wasn’t made for road warriors on business trips, but rather people looking to discover something new — even if that’s right in their own backyard. And, she noted, the Ennismore business is 50% food and beverage.
The value proposition includes benefits for people who might not travel much but live in an area that’s home to an Ennismore property. That means discounts at over 150 popular restaurants around the world. And, don’t forget the coffee and 50% off stays at new hotels in locations that the target audience will likely have at the top of their lists.
Not to mention the added perk of the program’s Dis-loyalty Drops, “a series of highly anticipated ‘drops’ including limited edition collaborations, once-in-a-lifetime experiences, exclusive access, and time-limited special offers."
And it gives back: According to Ennismore, the program will donate 5% of membership revenue to local charities.
Not the only niche program
Ennismore isn’t alone in creating a program that’s designed for the few over the many: I Prefer is a loyalty program that’s not often talked about but can earn free nights at hotels like Grand Velas Los Cabos, one of the most popular all-inclusive resorts in Mexico. And Leading Hotels of the World has its own program, Leaders Club, which can help members earn up to 20% off rates.
If you’re considering signing up for Dis-loyalty and curious about how to use the perks, Luger, with her inside knowledge as head of brands at Ennismore, has her own suggestions: Save 50% during the opening of SO/ Uptown Dubai; first-timers to Mexico City should book at the Mondrian Mexico City Condesa; and, since it was first hotel opening with Ennismore, book a trip to SO/ Paris — Paris is always a good idea.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.

