Capital One Adds Hotel Transfer Partners

Filed Under: Capital One, Hotels
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In December 2018, Capital One introduced a transferrable points currency for their Venture and Spark products, which was an exciting development.

The Venture and Spark cards were previously useful for earning rewards that could be redeemed as cash towards a travel purchase, though the miles can now be transferred to airlines as well.

What has impressed me is that they’ve kept adding partners and have also offered transfer bonuses. By adding two hotel transfer partners and improving the transfer ratio for one airline partner they’ve made the program all the more compelling.

Capital One adds two hotel transfer partners

As of Tuesday, February 4, 2020, Capital One added two hotel transfer partners for their Spark and Venture miles products, which are their first hotel transfer partners. Specifically, you’re able to:

  • Transfer Capital One miles to Accor Live Limitless (ALL) at a 2:1 ratio
  • Transfer Capital One miles to Wyndham Rewards at a 2:1.5 ratio

Capital One is the first major US transferrable points program to partner with Accor and Wyndham.

Transferring Capital One miles to Accor

Capital One Spark and Venture miles are transferrable to Accor’s loyalty program at a 2:1 ratio. Accor has 34 popular hotel brands, like SLS, Fairmont, Sofitel, Delano, Mondrian, and Raffles.

Accor largely has a revenue based loyalty program. The way it works, 2,000 Accor points can be redeemed for 40EUR (~44USD) off a hotel stay.

Given the transfer ratio, that means that 4,000 Capital One miles can get you 40EUR off a hotel stay. That’s about ~1.1 cents (USD) per Capital One mile, which is excellent.

Premium Capital One cards earn 2x miles per dollar spent, meaning you could be earning 2.2 cents towards Accor stays per dollar spent.

Transferring Capital One miles to Wyndham

Capital One Spark and Venture miles are transferrable to Wyndham’s loyalty program at a 2:1.5 ratio. Wyndham is the world’s largest hotel franchising company, and they have a portfolio of 20 hotel brands, including Wyndham Grand, Trademark Collection by Wyndham, La Quinta, Tryp by Wyndham, and more.

Wyndham has three tiers of award pricing:

  • 7,500 Wyndham Rewards points per night (10,000 Capital One miles)
  • 15,000 Wyndham Rewards points per night (20,000 Capital One miles)
  • 30,000 Wyndham Rewards points per night (40,000 Capital One miles)

There are some situations where people may come out ahead with these redemptions, though that doesn’t strike me as being particularly exciting.

Capital One improves JetBlue transfer ratio

In May 2019, Capital One added JetBlue as a transfer partner. However, at the time the transfer ratio was 2,000:1,000. This has been improved.

As of February 4, 2020, Capital One miles are transferrable to JetBlue at a 2:1.5 ratio. As a reminder, JetBlue has a revenue based frequent flyer program, and each point can generally be redeemed for ~1.4 cents towards the cost of a JetBlue ticket, give or take. That definitely makes this a more lucrative redemption opportunity.

Best credit cards for earning Capital One miles

There are two best credit cards for earning Capital One miles:

Bottom line

I give Capital One huge credit for the way they’ve developed their transferrable points currency, particularly when you consider the newness of the program.

Obviously Capital One has faced some challenges, since presumably Amex and Chase have exclusive agreements for some of the travel providers with which they have co-branded cards.

Despite that, Capital One is adding unique transfer partners that we haven’t seen from Amex, Chase, or Citi.

The Accor transfer opportunity strikes me as a great deal, while the Wyndham opportunity is definitely more niche. On top of that, the improved transfer ratio to JetBlue is appreciated.

Could you see yourself taking advantage of any of these new Capital One opportunities?

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Comments
  1. Jerry does make a good point – if redeeming for Mint, you are better off just paying and using the purchase eraser, or better yet, using points from something like CSR at 1.5 cents.

    Accor is a nice option to have though

  2. Accor is actually quite big news because they, in turn, transfer to quite a few airline programs at 2:1 or 1:1 depending. So de facto, Cap1 now transfers to a ton of airline programs.

  3. Finally some US credit cards that can go to Accor.

    Many great properties in APAC and airline transfer partners.

    The big question is will I earn status from transfers.

  4. @Morris
    They mostly transfer at 2:1, which means that if you’re transferring from CapitalOne, you’re transferring at 4:1 which is terrible value

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