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Credit card rewards are valuable on their own, but they become even more valuable when you can combine them within the same ecosystem or share them with friends and family. If you're a fan of Capital One Venture miles from Capital One business cards, you'll be glad to know you can do just that.
Capital One lets cardholders combine miles earned from Capital One Venture cards and Capital One Venture Business cards (formerly Spark Miles cards) into a single account. Plus, you can share your miles with any other account holder and even convert your cash-back earnings into miles.
And the icing on the cake is that all of this can be done for free. Compared to other flexible rewards currencies, Capital One sets the standard for transfer policies, letting you pool rewards with anyone you choose.
Takeaways for Sharing Capital One Miles
- You can combine miles from any Venture-branded card (personal or business) into a single account.
- You can transfer miles between business and personal accounts, as long as both are miles-earning accounts.
- You can transfer miles to any other Capital One miles-earning account, though this must be done over the phone.
- There’s no maximum cap on the number of miles you can transfer.
- There are no transfer fees.
Capital One issues six miles-earning rewards cards. Three are for personal use:
- Capital One VentureOne Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One Venture X Rewards Credit Card
$0
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
$95
- 5X miles per dollar on purchases through Capital One Entertainment
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 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 three are for business use:
- Capital One Venture Business
- Capital One Venture X Business
- Capital One VentureOne Business
$95
- 5X miles per $1 on hotels, vacation rentals and rental cars booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Business Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights booked via Capital One Business Travel
- 5X miles per $1 on vacation rentals booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
As long as the person you're transferring to holds a miles-earning Capital One card, you can move rewards to their account with no cap and no transfer fee.
Additionally, if you have earned cash back on the Spark Cash cards or Savor cards and also hold a miles-earning card, you can convert that cash back into miles. This unlocks the ability to transfer miles to other Capital One members or to one of Capital One’s airline or hotel partners.
Related: The Best Capital One Credit Cards for Every Purchase
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 you own:
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.”
Then, choose which card to transfer to.
Finally, enter the number of 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. You’ll need to provide the name and full card number of the person you want to transfer miles to.
The Capital One representative will verify your personal information and ask for the recipient’s name, card number, and the number of miles you want to transfer. They’ll then confirm the details and ask for 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 plan to transfer miles to a partner program for an award redemption. It's also useful for transferring miles to whoever holds the highest elite status with an airline or hotel partner.
Related: Do Capital One Miles Expire?
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 and with one household member at the same address, or a business co-owner (for business cards).
- Amex Membership Rewards: You can’t directly share points with another Membership Rewards account. However, you can add an authorized user and transfer points to their airline or hotel loyalty accounts.
- Citi ThankYou® Rewards: You can share up to 100,000 points per calendar year with any other ThankYou member (and receive up to 100,000). However, shared points expire after 90 days and can’t be returned. Citi has also announced that this benefit will end on May 17, 2026.
- Marriott Bonvoy: You can transfer up to 100,000 points per year between accounts that have been open at least 60 days. You can receive up to 500,000 points annually, and transfers can be completed online.
- Capital One miles: You can share rewards between any miles-earning accounts with no caps, no fees, and no expiration. You can also convert cash-back rewards into miles if you hold both types of cards.
$95Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
$95Rates & Fees
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
$325Rates & Fees
(Terms apply)
- 4X Membership Rewards® points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 5X Membership Rewards® points on prepaid hotels booked on amextravel.com
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid car rentals booked through amextravel.com
- 2X Membership Rewards® points on cruises booked and paid through amextravel.com
- 1X on other eligible purchases
Final Thoughts
The ability to combine miles with any other account holder at no cost and with no limits is an attractive feature of Capital One’s rewards program. The lack of restrictions on sharing miles is a unique benefit, making it a compelling alternative to Chase, Citi, and Amex.
- Limited-time offer: Earn up to 150,000 bonus miles-75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- 5X miles per $1 on hotels, vacation rentals and rental cars booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), and American Express® Gold Card (Rates & Fees)
