Complete Guide to Capital One Transfer Partners

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Capital One is a reasonably new player in the world of transferrable rewards, having only launched its airline transfer program in late 2018. Best known as a fixed-value rewards program, the expansion of Capital One’s rewards program to include transfer partners has made it a lot more valuable for current cardholders, and a lot more attractive to points and miles fans across the board.

Despite the program’s status as a relative newcomer, Capital One’s airline transfer program features some strong airline partners. There is also plenty of overlap with existing transferrable currencies like American Express Membership Rewards, Citi ThankYou Rewards, and Chase Ultimate Rewards, making it a great option to complement your existing rewards portfolio.

In this post, we walk you through the pros and cons of Capital One’s airline transfer partners, plus run through some real-life examples to demonstrate the value (or lack thereof) in each program.

Recent Program Updates

In February 2020, Capital One improved the transfer ratio for JetBlue TrueBlue from 2:1 to 2:1.5. They also added two hotel transfer partners:

  • Accor Live Limitless (ALL) ⁠— 2:1 transfer ratio
  • Wyndham Rewards ⁠— 2:1.5 transfer ratio

On May 13, 2020, Capital One removed two airline transfer partners:

  • Hainan Fortune Wings
  • Qatar Privilege Club

How to Earn Capital One miles

There are four credit cards that earn transferrable Capital One miles. Depending on the card, you’ll earn between 1.25 and 2 miles per dollar spent on most purchases.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Annual Fee$95
Welcome Offer Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn 2X miles on every purchase and 5X points on hotels and car rentals booked through Capital One Travel provides a decent return on spending. Plus the card offers some great perks.
  • Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months; worth $1000 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles on every purchase, plus earn 5 Miles on hotel bookings and car rentals through Capital One Travel
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $95 annual fee
  • 2 Miles per dollar on every purchase, every day.
  • 5 Miles on hotels and car rentals through Capital One Travel
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Annual Fee$0
Welcome Offer Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening
The only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X points on everything, plus earn 5 points on hotel bookings and car rentals through Capital One Travel.
  • 20,000 Miles once you spend $500 on purchases within 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 1.25 Miles on every purchase, plus earn 5 Miles on hotel bookings and car rentals through Capital One Travel
  • 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fees
  • $0 annual fee
  • 1.25 Miles per dollar on every purchase, every day.
  • 5 Miles on hotels and car rentals through Capital One Travel
Capital One Spark Miles for Business
Capital One Spark Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening
The Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
Capital One Spark Miles Select for Business
Capital One Spark Miles Select for Business
Annual Fee$0
Welcome Offer 20,000 Miles once you spend $3,000 on purchases within the first 3 months from account opening
A no-nonsense business rewards card earning 1.5x Miles per dollar on all business expenses, plus 5x Miles on hotel and rental car bookings through Capital One Travel℠, with no annual fee.
  • 20,000 Miles Miles once you spend $3,000 on purchases within the first 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 1.5 Miles per $1 on every purchase
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Intro APR of 0% on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No foreign transaction fees
  • $0 annual fee
  • 1.5 Miles per $1 on every purchase.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠

Capital One Airline Partners

There are 15 Capital One transfer partners: 13 airlines and 2 hotels. Points transfer to most programs at a 2:1.5 ratio (so 1,000 Capital One miles gets you 750 airline miles); Emirates, Singapore, and Accor Live Limitless have a lower 2:1 ratio.

  • AeroMexico Club Premier
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • Alitalia MilleMiglia
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Finnair Plus
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore Krisflyer
  • Accor Live Limitless (ALL)
  • Wyndham Rewards

AeroMexico Club Premier

AeroMexico is a member of SkyTeam, which includes Delta, Air France, KLM, and Alitalia, among many others. Club Premier can be a confusing program since its awards are priced in kilometers instead of miles. To fairly compare prices with other airline award charts, you have to divide Club Premier award prices by 1.6.

Unlike Amex Membership Rewards, which transfer to Aeromexico at 1:1.6 (1,000 points converts to 1,600 Club Premier points), Capital One miles transfer at a ratio of 2:1.5. Not a good transfer rate and not a good use of your Capital One Rewards.

Aeromexico generally isn’t great for economy tickets. Still, there are some competitive prices on business class fares. You’ll have to rack up some serious miles to take advantage of them, though. For example, flights from the U.S. to Japan and South Korea cost 240,000 Capital One miles roundtrip, with limited fuel surcharges. You can also fly business class to Europe or Russia (yes, all of Russia) for just under 214,000 Capital One miles round trip.

One of the best features of Aeromexico Club Premier is its Round the World Pass, which allows you to fly to up to 15 destinations (maximum five per continent) for 240,000 Capital One miles in economy and just under 470,000 Capital One miles in business class.

Transfers from Capital One to Club Premier are generally instant. Check out our in-depth guide to the best Aeromexico Club Premier awards and sweet spots for more info.

Air Canada Aeroplan

Air Canada is a member of Star Alliance, so in addition to flights on Air Canada, you can use Aeroplan miles to book flights on other Star Alliance members like United, Lufthansa, and Singapore. Their award prices tend to be similar or slightly lower than booking the same flights with United or Avianca miles, but you may have to pay hefty fuel surcharges depending on which partner airline you’re flying.

For example, a one-way flight from the U.S. to Europe in business class is 55,000 Aeroplan miles⁠—that’s 74,000 Capital One miles⁠—and $22 in taxes.

Transfer Capital One Miles to Air Canada Aeroplan

The best part about Aeroplan is its flexible routing rules: on an intercontinental roundtrip award, you can have one stopover or one open jaw, so if you’re adventurous, you can plan some trips that include additional destinations. You can read more about maximizing Aeroplan redemptions in our guide to Aeroplan stopovers and open jaws.

Air France-KLM Flying Blue

Flying Blue is the rewards program for Air France and KLM. You can use Flying Blue miles to book travel on Delta, Alitalia, Korean Air, and other SkyTeam alliance airlines.

There are two main ways to get great value out of Flying Blue miles. The first is Flying Blue Promo Rewards, which offers discounts of 25-50% on award flights to and from specific cities. It’s possible to book economy flights to Europe for as few as 14,500 Flying Blue miles (just under 20,000 Capital One miles) each way.

Transfer Capital One Miles to Air France/KLM Flying Blue

The second Flying Blue sweet spot is that they offer far better prices than other programs to select destinations. That’s because, like many rewards programs, Flying Blue uses a region-based award chart to determine prices⁠. But Flying Blue categorizes some countries differently than most. For example, Israel, Algeria, Morocco, Tunisia, Libya, and the Canary Islands are all part of Europe, according to Flying Blue.

Transfer Capital One Miles to Air France/KLM Flying Blue

That means, for example, you can book a one-way economy ticket from Washington D.C. (IAD) to Tel Aviv, Israel (TLV) for just 29,000 Flying Blue miles (39,000 Capital One miles). Most other frequent-flyer programs charge much more to fly to these destinations. For example, a similar itinerary offered by Delta would cost 52,000 miles one-way on the same date.

Transfer Capital One Miles to Air France/KLM Flying Blue

You can learn more about places for which Flying Blue offers excellent value in our guide to Air France/KLM Flying Blue award sweet spots.

Alitalia MilleMiglia

Alitalia is a SkyTeam airline like Air France, KLM, and Aeromexico. Unfortunately, its MilleMiglia award program isn’t very rewarding, but it does offer a few reasonable options if you’re looking to fly on Alitalia.

Alitalia flights from the U.S. to Italy cost 30,000 MilleMiglia miles each way in economy, and 40,000 miles each way in premium economy (that’s 40,000 and 54,000 Capital One miles respectively). Business class is less compelling at 70,000 MilleMiglia miles⁠—94,000 Capital One miles⁠—for a one-way ticket.

Add a SkyTeam partner and these prices shoot up to 50,000 miles (67,000 Capital One miles) one way in economy and 100,000 miles (134,000 Capital One miles) in business, so it’s not a good idea to use Alitalia for partner awards⁠. You can get much better deals with other transfer partners.

Short flights in Europe can also offer reasonable value, at 10,000 MilleMiglia miles (14,000 Capital One miles) each way for domestic flights within Italy and 12,500-15,000 MilleMiglia miles (17,000–20,000 Capital One miles) for flights to/from Italy from elsewhere in Europe. As always, compare options from other programs before transferring to make sure you’re getting a good deal.

Be aware that Alitalia restructures its mileage program regularly, and the airline is seemingly always on the verge of bankruptcy. So, it’s not a safe place to keep points long term. Only transfer points to Alitalia if you have an immediate use for them.

Avianca LifeMiles

Avianca is one of the best Capital One transfer partners. Avianca is a member of Star Alliance, so you can use LifeMiles on carriers like United, Air Canada, Lufthansa, and Singapore, and unlike most other transfer partners, you won’t have to pay any fuel surcharges when booking tickets with LifeMiles. This can save you hundreds of dollars compared to booking the same flights with Aeroplan or Singapore miles.

Avianca’s award charts are convoluted, but generally offer solid values across the board. For example, domestic Economy flights in the U.S. cost 7,500–12,500 LifeMiles (10,000–17,000 Capital One miles) each way, and flights from the U.S. to Europe cost 20,000-30,000 LifeMiles (27,000–40,000 Capital One miles) in economy or 60,000-63,000 LifeMiles (80,000–84,000 Capital One miles) in business class.

If you book a connecting flight, Avianca lets you save a few miles by choosing economy, business, and first class on a flight-by-flight basis. For example, on a flight from San Francisco to Barcelona via Zürich, you can save 2,560 LifeMiles (about 3,600 Capital One miles) by choosing to fly from Zürich to Barcelona in economy instead of business class (which is just the same economy seats with the middle seat blocked). Most airlines charge you the full business class rate if any segment of your trip is in business class⁠—even if it’s the shortest flight!

Transfer Capital One Miles to Avianca LifeMiles

Perhaps the biggest challenge with LifeMiles is Avianca's website. It won’t always show award seats even if another Star Alliance partner can book them, and you’ll sometimes find award space when searching segment-by-segment but not for an entire trip (Using the same example above, it might show you San Francisco–Zürich and Zürich–Barcelona, but not San Francisco–Zürich–Barcelona).

When this happens, it’s possible to request a manual booking by emailing LifeMiles customer service with screenshots of the available flights on their website. But it can take a couple of days to get a ticket booked this way⁠—meaning you could end up transferring points only to have award space disappear before you’re able to book. Transfers from Capital One to LifeMiles are generally instant.

Cathay Pacific Asia Miles

Cathay Pacific is a member of the Oneworld alliance, so Asia Miles are great for booking flights on other Oneworld airlines like American, Japan Airlines, Qantas, and LATAM (Asia Miles passes on fuel surcharges for airlines that have them, like British Airways and Qatar, so you might want to avoid those carriers).

Be aware that Asia Miles can be complicated. It has at least three separate award charts (and its partner award chart isn’t published online), only some of its partners can be booked through the Asia Miles website, and search results are cluttered with flights that don’t have any seats available. But if you’re patient, there are some solid values to be had.

Award prices are competitive with other programs and sometimes offer significantly better value—especially in business class and first class. For example, a flight from Chicago to Rome would cost 80,000 Asia Miles (107,000 Capital One miles) roundtrip in business class, an excellent deal when you consider that American Airlines would charge 115,000 miles roundtrip for the same flights.

One of the best things about Asia Miles is its flexible routing rules⁠—if you’re flying all Oneworld airlines, you can have up to five stopovers on a round-trip itinerary. Award ticket prices are distance-based, calculated from your total trip distance (rather than individual segments), so this can be a particularly good option if you plan to visit several different cities in the same region.

If you’re planning ahead and looking to travel in business class or first class on Cathay Pacific, Asia Miles will also get you access to award seats several weeks earlier than miles from most partner programs. Unfortunately, transfers from Capital One take up to five days to process.

Emirates Skywards

Emirates is not part of an airline alliance, and has limited partner airlines. This is unfortunate since hefty fuel surcharges make most Emirates redemptions a poor value (If your travel plans allow, however, flights originating in countries that limit or forbid fuel surcharges like Brazil and Hong Kong can make Emirates flights much more attractive). On top of this, Capital One miles transfer to Emirates at a 2:1 ratio, meaning booking flights through Emirates cost much more than other partners.

This poor ratio turns nominally good redemptions into subpar ones. For example, Emirates flights from New York (JFK) to Milan and Newark to Athens are generally a decent value: economy tickets cost 45,000 Skywards miles roundtrip (less than most programs); 90,000 Skywards miles roundtrip in business; and 135,000 Skywards miles roundtrip in First.

When you double those prices to get the number of Capital One miles you’d need for these tickets, it becomes much less attractive⁠—especially since taxes and fees range from ~$300 in economy to well over $1,000 in business and first class.

It's also worth noting that Emirates charges a premium for one-way award tickets. While a business class round trip can be booked for 90,000 Skywards, you'll find one-way tickets on the same route cost 62,500 miles. Again, remember to double those values if you're transferring from Capital One.

Partner redemptions on Alaska Airlines are also generally a poor value. For economy tickets, you’ll pay 30,000 Capital One miles roundtrip for intrastate flights, 50,000 Capital One miles roundtrip for most other domestic flights, and 80,000 Capital One miles roundtrip to Hawaii. If you plan to fly Alaska Airlines, you’ll almost certainly find better prices with Cathay Pacific or Qantas.

Etihad Guest

Etihad isn’t part of an airline alliance, but it has an interesting collection of partners, including some significant airlines like American, Alitalia, and Brussels. It also partners with several smaller carriers like Air Serbia, Philippine Airlines, GOL, and Royal Air Maroc that are hard to book otherwise (Unfortunately, Etihad Guest has pretty terrible rates for flights on Etihad itself).

Flights on American Airlines can be a particularly good deal, since Etihad’s award chart for American Airlines flights is very similar to what American itself charged several years ago before a series of devaluations. Highlights include 25,000 Etihad miles (34,000 Capital One miles) one-way for domestic business class⁠—including transcontinental flights with lie-flat seats like Los Angeles to New York⁠—and 50,000 Etihad miles (67,000 Capital One miles) one-way for business class from the U.S. to Japan.

Transfer Capital One Miles to Etihad Guest

GOL Airlines, a Brazilian low-cost carrier, can offer some very lucrative redemption opportunities if you're looking for short flights within Brazil. For example, you can fly from Sao Paulo to Rio de Janeiro (and skip a very uncomfortable seven-hour bus ride) for only 3,000 Etihad miles (4,000 Capital One miles) each way. Somewhat surprisingly, this route was the fourth busiest route in the world (by the number of departures) in 2018.

Etihad has a different award chart for each partner, so you'll need to figure out which airline is operating your flights before you can look up the price. To check availability or book partner flights, you’ll need to call the Etihad Guest service center. Transfers from Capital One take about 24 hours, and partner awards must be booked at least 24 hours before departure.

EVA Air Infinity MileageLands

When it comes to award tickets, EVA Air Infinity MileageLands doesn’t have a lot to offer beyond an unusual program name. Virtually all routes that EVA offers can be booked for fewer miles with Avianca LifeMiles, Air Canada Aeroplan, or Singapore Krisflyer (though that program has a worse transfer ratio from Capital One).

EVA Air also passes on fuel surcharges from partner airlines (just like Air Canada and Singapore). Unlike Singapore Airlines, any EVA Air flight you can book with Infinity MileageLands miles should also be bookable with miles from other partners. In short, we can't find a good reason to transfer miles to EVA, but let us know if we missed something.

Finnair Plus

Finnair is a member of the Oneworld alliance, so it is partners with other Oneworld airlines like American, British Airways, Japan Airlines, and Qantas, as well as Alaska Airlines and Icelandair. Unfortunately, Finnair’s prices for partner awards are terrible (for example, a domestic coach flight on American costs 27,000 Finnair miles one way. That’s a whopping 36,000 Capital One miles.

However, there are a couple spots on Finnair’s award chart worth considering. The first is flights within Northern Europe, which stretches from Reykjavik to Moscow.

Transfer Capital One Miles to Finnair Plus

Flying Finnair anywhere in this region costs just 15,000 miles (20,000 Capital One miles) roundtrip in Economy or 25,000 miles (34,000 Capital One miles) roundtrip in business class (Keep in mind, though, that intra-Europe a ‘business class’ seat just means there will be no one in the middle seat next to you, so unless you need a large baggage allowance or want to visit the sauna at the Finnair lounge in Helsinki, it’s probably not worth the extra miles).

Second, Finnair has an unusually broad definition of Europe, including Tel Aviv and even Dubai. Roundtrip flights on Finnair from the U.S. to Europe cost 90,000 Finnair miles (120,000 Capital One miles) in economy or 160,000 Finnair miles (214,000 Capital One miles) in business class. While these aren’t completely outrageous, they’re still probably more than you would pay with other transfer partners.

Transfer Capital One Miles to Finnair Plus

If you do decide to transfer miles to Finnair, you’ll want to book a roundtrip flight (one-ways are a much worse deal) and try to book online if possible since Finnair will charge you an extra 1,000 miles for phone bookings. Transfers from Capital One to Finnair are usually instant.

JetBlue TrueBlue

Update: In February 2020, Capital One improved the transfer ratio for JetBlue from 2:1 to 2:1.5.

JetBlue TrueBlue is an easy-to-use and straightforward mileage program, but unless you’re just a few points short of having enough for an award flight, it’s not the best place to transfer your Capital One miles.

On average, TrueBlue points are worth 1.3 cents per point; the actual value varies from one flight to the next, ranging from as little as 1.0 cent per point to as much as 1.5 cents per point. After accounting for the 2:1.5 transfer ratio, the best value you can expect per Capital One mile is around 1.12 cents. On the low end of the JetBlue range of values, you'd get 0.75 cents per Capital One mile transferred, which is why it's often more expensive in points to transfer to JetBlue than buying a ticket directly.

Here’s an example of a case where it would make sense to transfer points: This flight from Boston to Chicago costs $89, so you can buy it on Jetblue.com using your Capital One credit card and redeem 8,900 Capital One miles to offset the charge.

Transfer Capital One Miles to JetBlue TrueBlue

For the same itinerary, JetBlue is charging 5,700 TrueBlue points + $5.60 in taxes. Since Capital One miles transfer to JetBlue at a 2:1.5 ratio, you’d have to transfer 7,600 Capital One miles to book the same flight.

Transfer Capital One Miles to JetBlue TrueBlue

However, when you book a revenue ticket with JetBlue and offset the purchase with your Capital One miles, you’ll also earn TrueBlue points for the flight. On an $89 Blue fare, you'll earn three base points and three additional points for booking through the JetBlue app or JetBlue.com. That comes out to 6x points per dollar or 534 JetBlue points earned. You'll also earn 2x Capital One points by paying with a card like the Capital One Venture Rewards Credit Card.

In this case, the ticket would still be a better deal by transferring miles, but you can see the difference is relatively small. In many cases, the opposite is true; you'll pay more for the hassle of transferring miles.

You can find more information about TrueBlue in our guide to maximizing JetBlue TrueBlue points.

Qantas Frequent Flyer

Qantas is a member of the Oneworld alliance, so you can use Qantas Points to book flights on American, Cathay Pacific, Japan Airlines, and other Oneworld members. Qantas is also partners with several other airlines: Alaska, China Eastern, Emirates, Westjet, Air Niugini, Air Vanuatu, and Airnorth.

Like Cathay Pacific Asia Miles, Qantas has a distance-based award chart that calculates the price of your ticket based on the total distance flown. The best value tends to be for short trips: you’ll pay 8,000 points (11,000 Capital One miles) each way for flights under 600 miles and 12,000 points (16,000 Capital One miles) each way for journeys between 600-1200 miles.

Transfer Capital One Miles to Qantas Frequent Flyer Transfer Capital One Miles to Qantas Frequent Flyer

Qantas doesn’t charge any fees for booking close to departure, and the Qantas website is much better at searching for and booking complex itineraries like travel between small U.S. airports than most partner airlines.

Once tickets are issued, you’ll have to pay 5,000 miles to make changes and 6,000 miles to cancel. Transfers to Qantas take ~24 hours.

Singapore Krisflyer

Singapore Airlines is usually an excellent option for booking flights on Star Alliance airlines like United, Air Canada, Lufthansa, Thai Airways, and other Star Alliance members. They have reasonable prices, no close-in fees, and you can transfer points from just about every transferrable points program: American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Points, Marriott Convoy, and, of course, Capital One miles.

However, it’s hard to recommend them as a good option for transferring Capital One miles, since you have to spend two Capital One miles to get one Krisflyer mile. Since most transfer partners give you 1.5 airline miles for every two Capital One miles, most awards are going to be much more expensive than other partners like Air Canada or Avianca.

However, if you need to combine your Capital One miles with points from another credit card company, it could still make sense. You could transfer to Singapore to book deals like United Airlines economy flights from the U.S. to Hawaii for 17,500 Krisflyer miles (24,000 Capital One miles) or 27,500 Krisflyer miles (37,000 Capital One miles) for an economy flight from the U.S. to Europe on any Star Alliance partner.

Transferring to Krisflyer is also often the only way to book Singapore’s luxury Suites Class on the A380 because Singapore makes more award space available to its members than to the members of partner programs. You can redeem 86,000 Krisflyer miles (115,000 Capital One miles) to fly from New York to Frankfurt in Suites Class.

Transfer Capital One Miles to Singapore Airline KrisFlyer

Like Aeroplan, KrisFlyer makes you pay fuel surcharges for airlines that have them, so your out-of-pocket cost can vary dramatically from $5.60 to $500 or more depending on the airline operating your flight. If the flight you’re looking at has significant fees attached, Avianca LifeMiles may be a better option. LifeMiles doesn’t charge fuel surcharges, and even though their award prices tend to be a bit higher than Krisflyer, you’ll receive more LifeMiles for the same number of Capital One Miles.

Transfers from Capital One to Singapore Krisflyer reportedly take about 36 hours to process. Learn more about the Krisflyer program in our post on Singapore KrisFlyer sweet spots.

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Annual Fee$95
Welcome Offer Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn 2X miles on every purchase and 5X points on hotels and car rentals booked through Capital One Travel provides a decent return on spending. Plus the card offers some great perks.
  • Earn 100,000 Miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months; worth $1000 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles on every purchase, plus earn 5 Miles on hotel bookings and car rentals through Capital One Travel
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $95 annual fee
  • 2 Miles per dollar on every purchase, every day.
  • 5 Miles on hotels and car rentals through Capital One Travel

Capital One Hotel Partners

Capital One added two hotel transfer partners in February 2020: Accor Live Limitless and Wyndham Rewards.

Accor Live Limitless

Accor Hotels may not be the most well-known hotel group in the U.S., but it is one of only two hotel loyalty programs that are Capital One transfer partners. With 5,000 hotels across 39 brands in 110 countries, Accor Hotels include high-end brands like Fairmont and Raffles as well as more affordable options like Novotel and Ibis.

The Accor loyalty program was rebranded in 2019 and positioned as a “lifestyle loyalty program” Accor Live Limitless. Like most loyalty programs, Accor Live Limitless (ALL) members can earn and redeem points in a variety of ways including, hotel stays, dining programs, and retail purchases. The ALL program has partnerships with a host of great brands. ALL members can earn and redeem with airline programs like AirFrance KLM and Qatar Airways; transportation companies like Eurocar and Eurostar; and even a French football club!

To use ALL points for hotel stays, the program has a pretty straightforward redemption process. Members must redeem in increments of 2,000 points for a discount of 40 euros. Here’s the U.S. dollar value of 2,000 points with today’s exchange rate. There are no blackout dates but it is important to note that not all Accor Hotels participate in the loyalty program. Be sure to look for the symbol below when searching online for a stay.

ALL also offers plenty of ways to redeem points for what it calls “Limitless Experiences”. Tickets to Cirque de Soleil or an evening with a two Michelin-star chef might be challenging to take advantage of right now. However, these special redemptions provide ALL members with some unique options to find value in their points.

Capital One cardholders can now transfer miles to the Accor Live Limitless program at a 2:1 ratio. So 1,000 Capital One miles will get you 500 ALL Rewards points. As always, it will be important for members to do the math to determine when it will make sense to transfer Capital One miles and when you are better off using the Points Eraser.

At current conversion rates, ALL points are worth approximately 2.2 U.S. cents. That means you would get 1.1 U.S. cents of value per transferred Capital One mile. As long as the Euro-to-USD conversion remains above 1:1, you're going to get one U.S. cent of value per Capital One mile transferred. That's better than the 1 cent per point redemption rate using the Points Eraser, but you may be able to earn hotel points on erased purchases.

Wyndham Rewards

Wyndham Rewards also joined the list of Capital One transfer partners in February 2020. With more than 9,000 hotels across 20 brands in over 80 countries, Wyndham Hotels and Resorts offer a lot of options for travelers to explore.

The Wyndham Rewards program isn't the biggest, but it offers some nice earning and redemption options that make it worth a closer look. Through partnerships, Wyndham Rewards members can book free and discounted stays at over 30,000 hotels, vacation club resorts, and vacation rentals around the world.

There are three free night tiers for participating properties:

  • Tier 1: 7,500 points per night per bedroom
  • Tier 2: 15,000 points per night per bedroom
  • Tier 3: 30,000 points per night per bedroom

As always, you'll need to do some searching to find the redemptions that make sense but a beachfront studio at the Wyndham Reef Resort in Grand Cayman for 30,000 points a night sounds nice to me!

A week-long stay runs 210,000 points. The cash price for the same stay is $3,146.08, including taxes and fees. That's a value of nearly 1.5 cents per point. It's not a record-breaking redemption but provides reasonable value for Wyndham Rewards points.

In addition to property stays, the Wyndham Rewards program has lots of simple ways to earn points. There are two versions of the Wyndham Rewards® Earner℠ Plus Card—one with a $75 annual fee and another with no annual fee. Finally, through partnerships with DoorDash, a broad range of retail opportunities, and even an “opinion rewards panel” Wyndham Rewards members can earn points—even when travel options may be limited.

The Capital One to Wyndham Rewards transfer ratio is 2:1.5. So, transferring 1,000 Capital One miles will get you 750 Wyndham Rewards points.

This Capital One hotel transfer partner section was added on May 24, 2020 and authored by Michelle Molloy.

Tips for Maximizing Capital One Partners

  1. Always check to make sure that flights are available for booking before transferring miles to a partner airline.
  2. Check cash prices for your flight. Since you can redeem Capital One miles for travel at a rate of one cent per point, in some cases, you’ll save miles and money by redeeming your miles for a cash booking instead of transferring them to a partner airline⁠—especially for economy flights.
  3. Remember that each of Capital One’s airline partners has its own list of partner airlines. You don’t have to be flying one of the 13 airlines listed here to use your Capital One miles.
  4. Points transfers are irreversible. You can never transfer points back to Capital One, so plan carefully.
  5. Compare the total cost: several airlines can be booked with multiple transfer partners, and some partners have better transfer rates than others. Be sure to compare the total number of Capital One miles required plus how much you’ll have to pay in taxes and fees before deciding where to transfer points.

Remember:

  • Aeromexico, Air France-KLM, and Alitalia can book Delta flights
  • Cathay Pacific, Etihad, Finnair, and Qantas can book American flights
  • Air Canada, Avianca, EVA, and Singapore can book United flights

Capital One Transfer Partner FAQs

Can I transfer Capital One miles to United MileagePlus?

No, you can’t transfer Capital One miles to United, but you can transfer your miles to Air Canada, Avianca, EVA, or Singapore to book United flights. These four airlines are Star Alliance members and can book flights on United.

Can I transfer Capital One miles to Alaska Mileage Plan?

No, you can’t transfer Capital One miles to Alaska, but you can transfer your miles to Cathay Pacific, Emirates, Finnair, Qantas, or Singapore and use those miles to book Alaska Airlines flights.

Can I transfer Capital One miles to American Airlines AAdvantage?

No, you can’t transfer Capital One miles to American Airlines, but you can transfer your miles to Cathay Pacific, Etihad, Finnair, or Qantas and use those miles to book American Airlines flights.

Can I transfer Capital One miles to Delta SkyMiles?

No, you can’t transfer Capital One miles to Delta, but you can transfer your miles to Air France/KLM, Aeromexico, or Alitalia and use those miles to book flights on Delta since they are all members of the SkyTeam alliance.

Can I use Capital One miles to book travel for others?

Airline transfer partners will generally let you use your points to book travel for others (Some have restrictions though. For example, Singapore limits the number of other people for whom you can book tickets). However, it's almost always against their rules to make an award booking in exchange for money or other compensation. As long as you’re just booking flights for friends and family, you shouldn't have any issues. When redeeming Capital One miles for a fixed-value against travel costs you have charged to your Capital One card, you can book travel for anyone.

Final Thoughts

Capital One has a solid lineup of transfer partners, each of which let you use miles on dozens of partner airlines. In cases where more than one transfer partner can book the same flight, you'll have the benefit of comparing the number of points required and the total out-of-pocket cost before deciding where to move your miles. For U.S. based flyers, the biggest drawback to Capital One's program is that their only U.S. transfer partner, JetBlue isn't a very good value. Still, if you learn to utilize the major airline alliances, you can find award travel to virtually every spot on the globe.

What are your favorite Capital One redemptions? Let us know in the comments!

Capital One Spark Miles for Business
Capital One Spark Miles for Business
Annual Fee$0 intro for first year; $95 after that
Welcome Offer 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening
The Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles), plus you'll earn 5X miles on hotel and rental car bookings through Capital One Travel℠. Your rewards never expire as long as your account is open and in good standing.
  • 50,000 Miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
  • 2 Miles per $1 on every purchase, everywhere
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
  • Fee credit for Global Entry or TSA Pre✔® (up to $100)
  • No foreign transaction fees
  • $0 intro for first year; $95 after that
  • 2 Miles per $1 on every purchase, everywhere.
  • 5 Miles on hotel and rental car bookings through Capital One Travel℠
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Comments

  • Avatar
    Dona Lenkin says:

    I want to transfer Capital ONe Rewards to Etihad. Can I then use the miles from Ethiad for a flight on AA that also has one segment on Japan Air?

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      Unfortunately not. Etihad doesn’t partner with Japan Airlines. So, you’d only be able to redeem Etihad miles for the AA-operated flights.

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    People should take a look at this card if they have maxed out their “5/24” quota.

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    The transfer ratios aren’t competitive with Capital One’s competitors for many of the same transfer partners.

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    I don’t know. It seems like those transfer ratios still seem too low to be competitive.

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    I like how Capital One has Accor as a unique hotel transfer partner compared to others, but the transfer rate is not so good…I wish they’d improve the transfer rate from 1000:500 to 1000:1000.

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    Elliot Siegel says:

    This is a very good write up. Capital one came out of no where with their points transfer options and quickly established themselves as big players in the transfer market. Right now they have a really competitive roster of transfer partners. It would be really nice if they added ana.

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    I think US airlines are totally married to their credit card partners.

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    Thanks for the great and detailed article!
    wow! capital one just keeps on getting better and better! Definitely something to consider!

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    Capital One is getting better with their product offering. May consider this in the future.

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    A bit disappointing.
    Hopefully they will add hotels and domestic airlines soon

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    I agree with some others that I think UR and MR are better for me at this point. I do see lots of cross overs of transfer partners but I want to focus on a couple to get the points built up. I don’t think it’d be a good idea to have Chase, Amex and Capital One unless you got a major boost with them rather than Chase or Amex.

    I love that I can transfer to a US carrier with UR and MR. Now someone needs to convince American!

  • Avatar

    Great summary of the options. Hope they add a useful domestic partner or two (with bonuses of course).

  • Avatar

    Thanks for the guide! Very comprehensive

  • Avatar

    This is a nice summary of Capital One transfer partners, which has been covered less than other transferable points currencies.

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    Thanks for the great and detailed article. Some very useful information on here.

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    lots of good information here

  • Avatar

    Excellent and detailed article. For AA bookings or others that matter, the way is to book through Qantas, Avianca and so on … Thanks.

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    To bad both American Airline and United are not partners. These are the most people fly in USA. Is any reason Capital One do not partner with AA and UAL.

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    Do you know how frequently they give bonuses for transferring?

  • Avatar

    Both Skymiles and Aeroplan charge “high taxes” on award flights ex Europe, which is a shame.

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    I was all set to be happy until I saw the Jetblue transfer ratio. Not good. But a great and very, very thorough post. Thank you.

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    The Avianca connecting flight mix and match award feature is sure unique.

  • Avatar

    I’ve been following the evolution of capitalone’s points usage options but in terms of earnings, i’m still not sure why capital one’s 2 miles per dollar would be any better than citi double cash or amex blue business preferred ?

  • Avatar

    I had a bad experience before with Capital One, so I’m going to avoid them Never the less, thank you for such a complete and balanced analysis.

  • Avatar

    This article is a good review of the program. I just wish they partnered with the big US airlines. The only US airline they partner with is Jet Blue and based on the article, not a good choice for redemption. Hopefully in the future, they will have more mainstream airline partners.

  • Avatar
    Steven William Van Meter says:

    I find it a bit too bad that its against the rules to make an award booking in exchange for money or other similar compensation. Otherwise, it has a lot of potential.

    • Avatar

      It is indeed against the rules but if it’s a friend or family member, I will just say I’d be comfortable doing it.

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    Great thanks!! Learned a lot!

  • Avatar

    Great comprehensive article! I wish Capital One would consider me for their cards. I think that I already have too many cards to be approved for one of theirs.

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    Hopefully Capital One will also add a hotel transfer partner at some point.

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    It would be nice if an US airline partner is on the list as well.

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    That’s a very good overview of their transfer partners, as advertised, but I would also appreciate more detail on applying for their cards because I have heard that they’re pretty stingy with approvals. Thanks!

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    Capital one will approve 1 card per 6 month, right?

  • Avatar

    It is very good that Capital One waive the first year annual fee. And it is so easy to convert to other airline partners, I will apply and keep one year. Then I will see is it worthwhile to pay the annual fee.

  • Avatar

    Very helpful article! Finishing up my $50k spend on the Spark Miles in just a few more weeks!

  • Avatar

    I’m relatively new to this, so please excuse if the question seems basic…but do you need to have an account to book with the major airline that you want? For example, do you need to have an account with Cathay Pacific, Etihad, Finnair, Qantas, or Qatar in order to book with American Airlines through your Capital One rewards?

    • Avatar

      Hey Lauren,

      You don’t need an account with the frequent flyer program of the airline operating your flights. For example, you can use Etihad miles to book an award for a flight operated by American Airlines—without having an AA frequent flyer account.

      Capital One doesn’t transfer to American, so if you wanted to book an award flight on American, you’d need to open a Qantas, Finnair, Etihad, or Cathay Pacific FF act. Then, you transfer miles to that account and book the American flight.

      Lastly, don’t forget that Capital One miles can book any flight as a revenue ticket. You just buy the flight with your Cap One card, and then use points to get a statement credit. These redemptions are fixed at 1.0 cents per point, so make sure to compare prices with the different transfer partners. If you book a paid ticket, you don’t need any frequent flyer memberships.

  • Avatar

    I have bookmarked this article, as the partner airlines are explained in a comprehensive fashion. A great resource.

    • Avatar

      It is a good idea for the website to have an index that contains a list of companies and articles mentioning these companies.

    • Avatar

      Award Wallet is great about putting out comprehensive, useful articles rather than some sites that write articles purely based off of what credit card they want to push (I won’t name names).

  • Avatar

    Incredibly comprehensive and informative post! Sure would be nice if they would coordinate more and do transfer options for main carriers like American, Delta, Alaska, and United.
    Thanks!!

    • Avatar

      I feel like having one major US carrier is a must. I know you can use BA miles to book AA but Chase has United and Amex has Delta. Citi and Capital One each need something.

  • Avatar

    I’m not invested in Capital One because there is better value in MR and UR, but this is a great write up.

    • Avatar

      You have to admit though. They’re stepping their game up and are showing they want to be a contender. I’d put them on par with Citi right now.