Capital One miles transfer partners: A how-to guide

With a Capital One travel rewards card, you can earn unlimited rewards on every purchase. Then you can use those miles in flexible ways, such as transferring them to select airline and hotel loyalty programs.

Learn more about Capital One transfer partners and the conversion ratios they offer when you redeem your miles.¹ Plus, explore other ways to use your miles.

What you’ll learn:

• Capital One cardholders can earn rewards miles by using eligible travel and business cards to make purchases. 

• Capital One cardholders can transfer their rewards miles to the loyalty programs of Capital One travel partners.

• Rewards miles may be converted into either points or miles, depending on the loyalty program. 

• Conversion ratios indicate the value of transferring miles. For example, a 1:1 ratio means 1,000 Capital One miles will become 1,000 miles or points when transferred.

Capital One transfer partners can give cardholders versatility in how they use their rewards.

To transfer Capital One rewards, you must have at least 1,000 Capital One miles. The name on your Capital One account also has to match the name on your travel loyalty program. 

Capital One miles convert at one of four transfer ratios. Using 1,000 Capital One miles as an example, here’s how that breaks down:

• 1:1 ratio: 1,000 Capital One miles convert to 1,000 miles or points.

• 2:1.5 ratio: 1,000 Capital One miles convert to 750 miles or points.

• 5:3 ratio: 1,000 Capital One miles convert to 600 miles or points.

• 2:1 ratio: 1,000 Capital One miles convert to 500 miles or points.

Capital One has a variety of airline partners. Transfer rates vary, depending on which airline you choose.

• EVA Air offers a 2:1.5 transfer ratio. 

• JetBlue offers a 5:3 transfer ratio. 

The rest of Capital One’s airline transfer partners offer a 1:1 conversion ratio. 

• Aeromexico Rewards

• Air Canada Aeroplan®

• Avianca LifeMiles

• British Airways Executive Club

• Cathay Pacific Asia Miles

• Emirates Skywards

• Etihad Guest

• Finnair Plus

• Flying Blue

• Qantas Frequent Flyer

• Singapore Airlines KrisFlyer

• TAP Miles&Go

• Turkish Airlines Miles&Smiles

• Virgin Red

Eligible rewards miles cardholders can also transfer their miles to three hotel partners.

• Accor Live Limitless, which offers a 2:1 conversion ratio.

• Choice Privileges and Wyndham Rewards, which offer a 1:1 conversion ratio^.2

If you’re an eligible Capital One cardholder, you can transfer your rewards by signing in to your account online or through the Capital One Mobile app. Once you’re signed in, navigate to the rewards section button and select the option to transfer your miles.

Before you confirm, remember that there’s no way to transfer miles back into your Capital One rewards account.

Using your miles with Capital One transfer partners is one way to use them. But there are more ways to redeem miles, including:

• Travel: Book flights, hotels, vacation rentals and rental cars through Capital One Travel.

• Recent travel expenses: Get reimbursed for certain recent travel purchases or business expenses, including flights, hotels, cruises, ride-hailing services and tolls.

• Online purchases: Pay when you check out at Amazon.com® or make eligible purchases at millions of online stores through PayPal®.³ 

• Gift cards: Redeem your miles for gift cards from popular restaurants, retailers and more.⁴

• Cash back: Receive cash back as a statement credit or a check.

Transferring your Capital One miles to a transfer partner is a flexible way to make the most of your rewards—and your next trip.

But before you can transfer rewards miles, you’ve got to have a Capital One travel rewards card or a Capital One business rewards card. Here are a few to consider:

• Venture card: Earn unlimited double miles on every purchase. Plus, 5X miles on hotels, rental cars and vacation rentals through Capital One Travel. 

• VentureOne card: Earn unlimited 1.25X miles on every purchase and 5X miles on hotels and rental cars through Capital One Travel—all with no annual fee. View important rates and disclosures.

• VentureOne for Good Credit card: Earn unlimited 1.25X miles on every purchase and unlimited 5X miles on hotels and rental cars booked through Capital One Travel, with no annual fee. View important rates and disclosures.

• Venture X Business card: Earn unlimited 2X miles on every purchase. Taking a business trip? Book through Capital One Travel to earn 5X on flights and 10X on hotels and rental cars.

• Spark 1.5 Miles Select card: Earn unlimited 1.5X miles on every purchase. And when you spend $4,500 in the first three months, you’ll earn an additional 50,000-mile bonus.

• Spark 2X Miles card: Earn unlimited 2X miles on every purchase. Plus, get rewarded with a 50,000-mile bonus when you spend $4,500 in the first three months.