The Capital One credit cards that earn transferable miles
Editor’s note: This is a recurring post, regularly updated with new information and offers.
While you may associate Capital One with its fixed-value rewards, allowing you to redeem your points for statement credits or to offset travel purchases, there is another way to use your miles that can provide greater value.
In recent years, Capital One miles have gained additional transfer partners and improved the transfer ratios of others, becoming a strong transferable rewards currency.
Here are the credit cards that earn transferable Capital One miles, the current list of transfer partners and a few ideas on using your miles.
Capital One transfer partners
Before discussing Capital One cards that earn transferable miles, let’s first look at the available transfer partners and the transfer ratios:
Related: Your ultimate guide to Capital One’s airline and hotel transfer partners
Program name
Transfer ratio
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 Executive Club
1:1
Cathay Pacific Asia Miles
1:1
Choice Privileges
1:1
Emirates Skywards
1:1
Etihad 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 Miles&Go
1:1
Turkish Airlines Miles&Smiles
1:1
Virgin Red
1:1
Wyndham Rewards
1:1
If you’re wondering how long these transfers take, check out this guide: How long do Capital One miles transfers take? And if you want to learn more about one of the programs in the list above, click on its name.
Favorite uses of Capital One miles
Perhaps you don’t see your favorite airline or hotel program on the list above. Does that mean it’s not worth amassing Capital One miles? Hardly.
Related: How (and why) you should be earning lots of Capital One miles
Consider pricing for a Lufthansa first-class flight using LifeMiles. You’ll pay 120,000 miles plus $174.60 for this luxury ride from Frankfurt to Los Angeles.
LIFEMILES.COM
Using United miles, you’d pay 165,000 miles plus $152.40 — an increase of 45,000 miles.
UNITED.COM
If you’ve dreamt of a round-the-world ticket, you can use Capital One miles to book your journey with Cathay Pacific (for Oneworld Airlines) and Aeromexico (for SkyTeam Airlines). I’ve paid 185,000 Asia Miles for a business-class itinerary departing Los Angeles and stopping in South Korea, Vietnam, Pakistan, Iran and Israel before returning home.
Related: Tips and tricks to get maximum value from your Capital One miles
It’s also worth paying attention to Flying Blue Promo Rewards. These are discounted award redemptions on Air France and KLM, rotating monthly and offering incredible value on both intra-Europe and long-haul flights.
Related: How to transfer Capital One miles to airline partners
FLYINGBLUE.COM
Ultimately, the airline you want to fly on is less important than how you book that flight; it’s worth earning Capital One’s version of transferable miles even if the airline you want to fly isn’t a transfer partner.
Related: How (and why) you should earn transferable points
Capital One personal credit cards that earn transferable miles
The following credit cards earn Capital One transferable miles:
Card name
Annual fee
Earning rates
Key benefits
Capital One Venture Rewards Credit Card
$95 (see rates and fees)
5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 miles per dollar on other purchases
Up to $100 statement credit to offset Global Entry or TSA PreCheck application fee
Access to Lifestyle Collection hotel bookings
Capital One Venture X Rewards Credit Card
$395 (see rates and fees)
10 miles per dollar on hotels and rental cars booked through Capital One Travel
5 miles per dollar on flights and vacation rentals booked through Capital One Travel
2 miles per dollar on other purchases
Up to $100 statement credit to offset Global Entry or TSA PreCheck application fee
Unlimited visits to Capital One Lounges, Plaza Premium lounges and Priority Pass lounges
10,000 anniversary bonus miles
$300 annual credit for bookings through Capital One Travel
Access to Premier Collection and Lifestyle Collection hotel bookings
Capital One VentureOne Rewards Credit Card
$0 (see rates and fees)
5 miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 miles per dollar on other purchases
None
Capital One VentureOne Rewards for Good Credit
$0 (see rates and fees)
5 miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 miles per dollar on other purchases
None
Clearly, how (and how quickly) you earn miles varies by card. It’s also worth pointing out that you can accrue even more miles by converting rewards from Capital One cash-back cards into miles.
Capital One business credit cards that earn transferable miles
Capital One also has small-business credit cards earning transferable miles. Consider the following:
Card name
Annual fee
Earning rates
Key benefits
Capital One Spark Miles for Business
$0 introductory annual fee, then $95 (see rates and fees)
5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 miles per dollar on other purchases
Up to $100 statement credit to offset Global Entry or TSA PreCheck application fee
Access to Lifestyle Collection hotel bookings
Capital One Spark Miles Select for Business
$0
5 miles per dollar on hotels and rental cars booked through Capital One Travel
1.5 miles per dollar on other purchases
Travel coverages and purchase protections
Capital One Venture X Business
$395 (see rates and fees)
10 miles per dollar on hotels and rental cars booked through Capital One Travel
5 miles per dollar on flights and vacation rentals booked through Capital One Travel
2 miles per dollar on other purchases
Up to $100 statement credit to offset Global Entry or TSA PreCheck application fee
Unlimited visits to Capital One Lounges, Plaza Premium lounges and Priority Pass lounges
Access to Premier Collection and Lifestyle Collection hotel bookings
10,000 anniversary bonus miles
$300 annual credit for bookings through Capital One Travel
No preset spending limit
The information for the Spark Miles Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You can transfer miles from your business card to the same partners mentioned above. Personal and business credit cards from Capital One use the same partners for transferable miles.
Bottom Line
TPG’s August 2024 valuations mark Capital One miles at 1.85 cents apiece, thanks to its list of transfer partners and the value they can provide. You can use these miles across multiple hotel and airline programs, even leveraging airline partnerships to book flights for airlines that aren’t Capital One transfer partners. Multiple Capital One credit cards earn transferable miles. The earning rates, benefits and welcome bonuses vary by card, so look through the list above to find the one that’s right for you.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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