Capital One Transfer Partners: What You Need to Know

Capital One Transfer Partners: What You Need to Know

Capital One has added hotel and airline programs to its list of transfer partners, along with changes to transfer ratios that make Capital One miles much more valuable.

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credit card airline and hotel partners

Capital One now allows you to transfer miles to 15+ airline and hotel partners, making their miles especially valuable. While Capital One previously offered 2:1.5 transfer ratios for most of its partners, it recently updated its program to allow 1:1 transfer to several partners, including valuable airline partners such as Aeromexico and Avianca. By searching for good values on rewards with these programs, you can possibly squeeze extra value out of your Capital One miles.

How Does Capital One’s List of Travel Partners Compare?

Capital One’s list of transfer partners is similar to those of its competitors, Chase, Citi and American Express. However, it’s also important to look at transfer ratios, which affect the value of miles with each transfer partner. With Capital One, miles transfer at a ratio of 1 mile for 1 point for several partners. However, miles transfer at a ratio of 2 miles for 1.5 points or miles for a couple of their partners — meaning, you lose about half a mile for each 2 miles that you transfer.

Capital One Transfer Partners

  • Accor Live Limitless (2:1)
  • Aeromexico Club Premier (1:1)
  • Air Canada Aeroplan (1:1)
  • Air France/KLM Flying Blue (1:1)
  • Avianca Lifemiles (1:1)
  • British Airways Avios (1:1)
  • Cathay Pacific Asia Miles (1:1)
  • Choice Privileges (1:1)
  • Emirates Skywards (1:1)
  • Etihad Airways Guest (1:1)
  • Eva Air Infinity MileageLands (2:1.5)
  • Finnair Plus (1:1)
  • Qantas Frequent Flyer (1:1)
  • Singapore Airlines KrisFlyer (1:1)
  • TAP Air Portugal Miles&Go (1:1)
  • Turkish Airlines Miles&Smiles (1:1)
  • Wyndham Rewards (1:1)

If you are torn on which credit card to apply for, the deciding factor could be which travel partner you are more likely to use. Capital One mainly partners with airlines outside of the United States, so a Capital One rewards card could be the best option for someone who frequently travels internationally. Check out the list below of competing point transfer programs to see which list suits your travel needs the best.

Other Credit Card Issuers With Transfer Partners

American Express
AeroMexicoAer LingusAvianca
Air CanadaBritish AirwaysFlying Blue (Air France/KLM)
AlitaliaFlying Blue (Air France/KLM)Cathay Pacific
Aer LingusEmiratesEtihad Airways
ANAIberiaEVA Air
AviancaJetBlueJet Airways
British AirwaysSingapore AirlinesJetBlue
Cathay PacificSouthwest AirlinesMalaysia Airlines
Delta AirlinesUnited AirlinesQantas
El AlVirgin AtlanticQatar
EmiratesWorld of HyattSingapore Airlines
Etihad AirwaysIHG Rewards ClubThai Airways
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How Do the Changes Affect Miles Value?

Updates to rewards programs often result in points becoming devalued. In this case, Capital One miles value will increase in value.

We currently value Capital One miles at 1 cent per point when redeeming for travel. However, the ability to transfer miles to outside programs at a 1:1 ratio boosts the likelihood of getting more 1 cent per mile on redemptions.

Which Capital One Cards Let You Transfer Miles?

There are several cards that earn transferable Capital One miles. However, they are not all uniform in their benefits.

Rewards rate
Sign up bonus
Annual fee
Capital One Venture Rewards Credit Card2 Miles per dollar on every purchase, every dayEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel$95
Capital One VentureOne Rewards Credit Card1.25 Miles per dollar on every purchase, every dayEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel$0
Capital One Spark Miles for Business2 Miles per $1 on every purchase, everywhereEarn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.$0 intro for first year; $95 after that
Capital One® Spark® Miles Select for Business1.5 Miles per $1 on every purchaseOne-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening$0

How to Transfer Capital One Miles

Once you earn Capital One miles and want to transfer them, it’s a simple process. First, log in to your Capital One account and select the credit card that you want to transfer miles from.

Then, select the airline or hotel partner that you want to send your miles to. You will be asked to link your loyalty membership number, so be sure to have that information on hand.

Lastly, you will be asked to type in how many miles you would like to transfer. Be sure to double check this as all transfers are final and non-reversible.

Once you confirm the transfer, the points may appear immediately or take a few days. For best practice, give ample time for your miles to transfer.

Is it worth it to transfer Capital One miles?

The short answer to this question is "maybe." Each redemption is unique, so each potential redemption should be calculated individually.

How do you know if transferring Capital One Miles is worth it?

Capital One miles are generally valued around 1 cent per mile — if an award flight/hotel room with any of the Capital One transfer partners is worth at least 1 cent per mile transferred, then it’s worth the transfer. To calculate the value of transferred miles, use this simple equation:

Cash price (minus any taxes and fees that you would have to pay with an award booking) / Number of points or miles needed for flight or hotel stay x 0.5 (2:1 transfer ratio) or 0.75 (2:1.5 transfer ratio) = Value of transfered miles

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).