Capital One miles became a transferable points currency after originally only having the ability to be used to erase travel purchases on your monthly statement. Even though you can still use Capital One points for a fixed value to cover travel expenses, to book travel through Capital One or even redeem them for gift cards, you’ll get the best value by making use of the Capital One transfer partners.
If you’ve had a Capital One credit card but are new to miles and points, learn who the Capital One transfer partners are and how to redeem Capital One miles for the maximum value. Every mile earned is the result of your everyday spending and monthly bills. The more you learn, the more you’ll be able to redeem your points like a pro.
In this guide, let’s start at the beginning.
Which credit card(s) do I need to earn and get access to the Capital One transfer partners?
Capital One offers a few personal and business credit cards that earn Capital One miles and have access to the Capital One airline transfer partners. These cards include:
- Capital One Venture Rewards
- Capital One VentureOne Rewards
- Capital One Spark Miles Select for Business
- Capital One Spark Miles for Business
The Capital One Venture and Spark Miles cards earn 2x the Capital One miles for every dollar you spend. The VentureOne earns 1.25 miles per dollar spent, while the Spark Miles Select earns 1.5 miles for each dollar. Read more about the Capital One credit card offers to determine which is best for you.
Who are the Capital One transfer partners?
There are 15 Capital One airline partners. Unfortunately, Capital One doesn’t have any hotel transfer partners except for their earning partnership with Hotels.com.
The Capital One airline partners are:
- Air Canada Aeroplan
- Flying Blue- Air France/KLM
- Cathay Pacific
- Eva Air
- Hainan Airlines
- Qatar Airways
- Singapore Airlines
What is the transfer ratio for Capital One miles to their partner airlines?
All Capital One miles transfer to their airline partners at a 2:1.5 ratio, EXCEPT for JetBlue, Emirates, and Singapore Airlines, which transfer at an unappealing 2:1 ratio.
For example, the Capital One Venture card earns 2 miles for every dollar spent. So, if you earned 1,000 Capital One miles and transferred them to an airline partner like Flying Blue, you’d have 750 miles in your frequent flyer account.
Now, you might be wondering why 1,000 Capital One Venture miles transferred into 750 airline miles makes for a good deal. On paper, the math seems pretty obvious.
It’s important to remember that used as a travel purchase eraser or to book travel with Capital One, your Capital One miles have a fixed 1 cent per point value. But, when used to book an award seat with an airline transfer partner, especially if it’s in a premium class, you can get a far greater return value for fewer miles out of pocket.
Consider that Aeroplan charges 150k miles to fly round trip business class from North America to Africa. You’d need to transfer 200k Capital One miles to Aeroplan to book this award.
Google Flights, on the other hand, shows a rough average cash price of $3k for a New York to South Africa round trip business class itinerary. If you purchased this flight and used Capital One’s travel eraser, you’d need 300k Capital One miles to cover the charge.
How long does it take for Capital One miles to transfer?
Many transfers to Capital One travel partners happen instantly.
However, some Capital One mile transfers take between 1-2 days. These airline transfer partners include Etihad, Eva, Hainan, Qantas, Qatar, and Singapore.
Cathay Pacific appears to be the outlier taking the longest amount of time, 3-5 days.
Please note, I haven’t yet tested every transfer partner’s processing time. The information above is compiled from my own experiences, data points on Flyertalk and from my Facebook Group, and a consensus from the miles and points community. These transfer times are not a guarantee and as always, your mileage may vary.
No matter what, though, never transfer miles from any flexible point program until you’ve checked and confirmed the award availability you need. Once you transfer Capital One miles to an airline, you can’t reverse the transfer.
So, what happens if a transfer takes too long? How can you protect your valuable miles from being stranded in an airline account where the award space has vanished?
- Ask the airline to place the award you’d like to book on hold to allow for a points transfer to process. Not every airline does this, but some will.
- Always have a Plan B. Are you flexible with your dates or destination? Are you willing to position to another airport?
- If not, is there another future trip you can use the miles for?
Can I share my Capital One miles with others?
You can share your Capital One miles with any person who has one of the Venture or Spark cards. This is less restrictive than Chase or American Express and doesn’t come with any of the time restrictions Citi imposes on point transfers to family and friends.
However, you can’t transfer Capital One miles to another person’s airline frequent flyer account. Your name must match on both your Capital One and airline loyalty program accounts for the transfer to an airline partner to work.
How do I transfer points to Capital One partners?
Just like transferring points to airline partners in other flexible point currencies like Amex Membership Rewards, log in to your Capital One online account and choose the transfer miles option. From there, you’ll pick the airline partner and enter your loyalty program details.
Keep in mind, Capital One miles can only be transferred in 1k point increments.
Why not just earn miles or points for the airline I want to use instead of earning Capital One miles?
Transferable points and miles are flexible. They aren’t limited to just 1 airline loyalty program. United Airlines miles are always United Airlines miles. Yes, they can be used with their airline alliance partners, but they’ll always be subject to United Airlines availability, award chart, and booking rules.
Capital One miles can be used across any of the 15 Capital One travel partners.
Transferrable points like Capital One miles or Chase Ultimate Rewards also provide decent protection against an airline devaluing its award chart.
For example, if Aeroplan Air Canada devalues its award program, you can transfer your Capital One miles to another airline partner. Your Capital One miles keep their value instead of fluctuating based on the decisions of a particular airline.
Who are the best transfer partners to redeem Capital One miles?
You might be flush with Capital One miles. After all, the Venture card is one of the most popular travel rewards credit cards! With the addition of airline transfer partners, your Capital One card and your miles gained tremendous value.
It’s important to realize, though, all airline transfer partners are not created equally. Each airline has it’s own award pricing and sweet spots…or lack thereof.
The ideas below highlight a few of the better transfer partners when using Capital One miles. The more you learn about each transfer partner, the better you’ll become at redeeming your Capital One miles and maximizing the right airline transfer partners.
Avianca LifeMiles are a less expensive way to book Star Alliance award flights compared to what United would charge for the exact same flights. If you’re someone who is over 5/24, Avianca is a great way to access Star Alliance flights, especially if your Ultimate Rewards account is low on points.
Find deals on domestic routes operated by United whether you’re hoping for a city break or finally checking the Grand Canyon off your bucket list.
Flying Blue is the loyalty program for KLM and Air France, both of which are Skyteam partners with Delta. The upside here is Flying Blue miles can be used to book Delta and other airline alliance partner flights…sometimes for less than what Delta would charge for the same award flight.
Whether you’re hoping to take advantage of a Flying Blue promo award to Europe or booking an award flight to Hawaii, Flying Blue can return a solid value for your hard-earned Capital One miles.
Aeroplan Air Canada is another valuable Capital One transfer partner. In addition to the round trip business class to Africa example from above, you can fly in business class to western Europe from North America for just 110k Aeroplan miles or 148k Capital One miles.
You could fly to Italy with miles in business class on a Star Alliance partner like United for less than what United would charge!
It’s also worth pointing out, Singapore Airlines and Flying Blue (Air France/KLM) are transfer partners for all flexible points currency programs.
This means if you’re low on Chase UR points, Citi ThankYou points Amex MR points or Marriott Bonvoy points, you could transfer Capital One miles to these airline loyalty programs to add to your overall mileage balance.
So, which Capital One transfer partner would you like to use?
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