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Credit card rewards are valuable on their own but become even more valuable when you can combine them within the same ecosystem or share them with friends and family. And if you're a fan of Capital One Venture Miles and Spark Miles from Capital One business cards, you'll be glad to know that you can do just that with these valuable currencies.
Capital One lets cardholders combine miles earned from Capital One Venture cards and Capital One Spark Business cards into a single account. Plus, you can share your miles with other account holders and can even turn your cash-back earnings into miles.
Transfers can be made to any other Capital One account holder and there is no fee to move miles between accounts. Compared to other flexible rewards currencies, Capital One sets the standard when it comes to points and miles transfer policies, effectively letting you pool your rewards with anyone you choose.
Page Contents
Takeaways for Sharing Capital One Miles
- You can combine miles from Venture and Spark Miles cards into a single account.
- It's possible to transfer between business and personal accounts, provided they are both miles-earning accounts.
- You can transfer to any Capital One miles-earning account, and it doesn't have to belong to a family member (You can only do this over the phone).
- There is no maximum cap on the number of miles you can transfer.
- There are no transfer fees.
Capital One issues six miles-earning rewards cards. Four are for personal use:
- Capital One Venture X Rewards Credit Card: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
- Capital One Venture X Business: 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- Capital One Venture Rewards Credit Card: 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
- Capital One VentureOne Rewards Credit Card: Earn 20,000 miles once you spend $500 on purchases within 3 months from account opening.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
And two are for business use:
- Capital One Spark Miles for Business: Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening.
- Capital One Spark Miles Select for Business: Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
- Earn 50,000 Miles Miles once you spend $4,500 on purchases within the first 3 months from account opening; worth $500 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
- No foreign transaction fees
- $0 annual fee
- 5X Miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5 Miles per $1 on every purchase.
Provided the person to whom you are transferring holds a miles-earning Capital One card, you can move your rewards to their account with no cap and no transfer fee.
Provided you have one of the miles-earning cards above, you can earn cashback on the Spark Cash cards and Savor cards, and combine those rewards with the miles in your account to transfer to partners or other members.
Related: The 6 Best Capital One Credit Cards for Every Purchase
How Does Capital One Compare to Other Rewards Programs?
Here are the rewards-sharing policies for other transferrable points programs:
- Chase Ultimate Rewards: You can share points between your own Ultimate Rewards earning cards, with a family member living at the same address, or with a business co-owner (for business cardholders).
- Amex Membership Rewards: You can’t share points with another Membership Rewards account, but you can add someone as an authorized user on your account and then transfer points directly to their hotel or airline loyalty accounts.
- Citi ThankYou® Rewards: You can share up to 100,000 ThankYou Points with any other ThankYou Rewards member per calendar year (send 100K and receive 100K). But there is a huge caveat: Those shared points are only valid for 90 days from the date they move to another ThankYou account. Then, they expire — no return to sender, no refunds.
- Marriott Bonvoy: You can transfer up to 100,000 points per calendar year between any two accounts that are in good standing and have each been open for at least 60 days. You can receive up to 500,000 points per year. Transfers can be made online.
- Capital One Rewards: You can share rewards between any miles-earning accounts with no caps, no fees, and no expiration, and can turn cash-back rewards into miles if you hold both types of cards.
There are two ways to share Capital One Miles: transferring between your own accounts and transferring to another Capital One member.
Transferring between your own accounts
Here's how to move miles between accounts in which you are the owner.
First, log into your Capital One account on your computer or phone, then click “View Rewards” next to your miles balance.
Next, scroll down and click “Move Rewards.”
Finally, choose how many miles to transfer, then confirm.
Transferring to another Capital One member
To transfer miles to another Capital One member, call the number on the back of your card. Provide the name and full card number of the person to whom you'd like to transfer miles.
The Capital One representative will confirm your personal information and ask for the other person's name, card number, and how many miles you want to transfer. After that, they'll confirm that all the information is correct and ask your permission to complete the transfer. Once submitted, the transfer is instant.
To see miles transferred from you to someone else, log on to your Capital One account, click “View Rewards,” and then “Redemptions.” You will see the miles transferred out.
To see miles transferred from someone else to you, log on to your Capital One account, then click “View Rewards,” then “Earn Activity.” You will see the miles transferred in.
The ease of transfer makes it effortless to top off a friend or family member’s account if they intend on transferring miles to a partner program for redemption. It's also useful for transferring miles to whoever holds the highest elite status with an airline partner.
Related: Do Capital One Miles Expire?
Final Thoughts
The ability to combine miles with any other account holder is an attractive feature for a rewards program. The lack of restrictions with Capital One’s miles sharing is a unique benefit of its transfer program, making it an attractive alternative to Chase, Citi, and Amex.
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