Combining Capital One Miles: What You Need To Know

Update: These offers for the Capital One® Spark® Cash for Business and the Capital One® Spark® Miles for Business have expired. Learn more about the current offers here.


Last week Capital One made an exciting improvement to a couple of their cards, as Capital One “miles” can now be transferred to select airline loyalty programs.

This means Capital One has the fourth major transferrable points currency, after Amex Membership Rewards, Chase Ultimate Rewards, and Citi ThankYou.

Every major program has a different policy when it comes to combining points, either across different cards, or being able to transfer them to a friend or family member. So in this post I wanted to look more closely at Capital One’s policy.

Which Capital One cards earn miles?

As of now there are four Capital One credit cards that earn miles:

Even though the miles are marketed as “Spark” miles on the business cards and “Venture” miles on the personal ones, for all practical purposes they’re the same, which is to say that they can be redeemed for the same amount, and can be transferred to the same airline loyalty programs at the same ratios. In both cases I think the “premium” cards that earn 2x miles offer a better value proposition over the no-annual fee versions.

Note that the cash back earned on other popular Capital One cards, like the Capital One® Spark® Cash for Business and Capital One® Savor® Cash Rewards Credit Card isn’t combinable with this.

Can you combine Spark & Venture miles?

Yes! If you have both the Capital One Spark Miles and Capital One Venture, you can combine the points you earn on both cards. That’s to say that you can transfer your Spark miles to your Venture account, or vice versa.

You can do this directly on Capital One’s website under the “Rewards” section. There you’ll want to select the “Share Your Rewards” button.

Then you’ll want to select the “one of my accounts” choice, so you can combine your miles.

This is pretty standard among the transferrable points currencies, so that’s not surprising.

Can you transfer Spark & Venture miles to others?

This is perhaps the most awesome and surprising part of this. If you have the Capital One Spark Miles or Capital One Venture, you can transfer your miles to anyone else’s Spark or Venture account.

It doesn’t need to be a family member, there are no limits on how many miles you can transfer to others, and the miles don’t expire any sooner.

In order to take advantage of this you need to phone up Capital One, as this isn’t a feature that’s available online just yet.

This is actually a remarkable feature, since no other transferrable points currency offers even nearly this much flexibility when it comes to transferring miles to others.

Why is this so useful?

  • This can be useful if you want to transfer your miles to someone else’s frequent flyer account, since you could transfer your Capital One miles to their Capital one account, and then they could transfer to a frequent flyer account in their own name
  • This can be useful if you don’t quite have enough miles in your account for a reward, but by transferring to someone else’s account you’ll have enough miles
  • This can be useful if you’re thinking of closing down your Capital One card, so you can transfer the miles to someone else before doing so

Can you transfer your Capital One miles to someone else’s frequent flyer account?

As a reminder, Capital One Spark and Venture miles can be transferred to the following airline loyalty programs at the following ratios:

Transfer PartnerTransfer Ratio
Aeromexico (Club Premier)2 : 1.5 | 1000 : 750
Air Canada (Aeroplan)2 : 1.5 | 1000 : 750
Air France KLM (Flying Blue)2 : 1.5 | 1000 : 750
Alitalia (MilleMiglia Program)2 : 1.5 | 1000 : 750
Avianca (LifeMiles)2 : 1.5 | 1000 : 750
Cathay Pacific (Asia Miles)2 : 1.5 | 1000 : 750
Emirates (Emirates Skywards)2 : 1 | 1000 : 500
Etihad Airways (Etihad Guest)2 : 1.5 | 1000 : 750
EVA Air (Infinity MileageLands)2 : 1.5 | 1000 : 750
Finnair (Finnair Plus)2 : 1.5 | 1000 : 750
Hainan Airlines (Fortune Wings Club)2 : 1.5 | 1000 : 750
Qantas (Qantas Frequent Flyer)2 : 1.5 | 1000 : 750
Qatar Airways (Privilege Club)2 : 1.5 | 1000 : 750
Singapore Airlines (KrisFlyer)2 : 1 | 1000 : 500

So, given that you can transfer Capital One miles to other Capital One cardmembers, can you just transfer them directly to someone else’s frequent flyer account?

Unfortunately the answer to that is no. You can only transfer Capital One miles to a frequent flyer account in the name of the cardmember.

If you wanted to transfer your Capital One miles to someone else’s frequent flyer account, your only choice would be to first transfer miles to their Capital One account, and then they could transfer them to their frequent flyer account.

Bottom line

There’s a lot to love about the changes to the Capital One Spark Miles and Capital One Venture. These are cards that many of us that are into miles & points weren’t previously interested in, but now that they have transfer partners we’re taking a second look, and there’s a lot to learn. For example, I recently picked up the Spark Miles Card.

It’s impressive that Capital One has the most generous transferability policies of any of the major transferable points currencies, as you can freely transfer your points to other cardmembers.

Comments

  1. “This means Capital One has the fourth major transferrable points currency, ”

    hahahha. diners club transfers 1:1 to Alaska, suck it!

  2. With all these articles recently about Capital One, should we assume that they are paying bonus commissions to intermediaries?

    Avios is another “miles and points” currency.

  3. @ Tom — This blog is about miles & points. Capital One recently introduce a legitimate transferrable points currency. That’s exciting, and there’s a lot to learn. I just signed up for my first Capital One card, even though I never considered their products in the past. Is that unreasonable?

  4. The CapOne “miles” transfer functionality (transfers to other accounts) is actually not new. I believe they had it, took it away for a while, then reintroduced it a year or two ago. Recently you could do transfers ONLINE to other people, but apparently that functionality is temporarily gone and you have to call in.

  5. You can transfer cash back points from the Capital one Quick Silver to the Venture card 😉
    I did it 🙂
    I have an screenshot of the transfer if you want to see it

  6. @anon – Easy there bud. I love my Diners Club card too, but you don’t have to be obnoxious about it. Further, I’ve been using my Amex gold at grocery stores lately anyway, since I’m fairly flush with Alaska miles, in part because of Diners.

  7. @T – The card offers 3 points per dollar on gas station and grocery store spend. I have not looked at the transfer ratios and partners for a while, but among the transfer partners are Air Canada at 1:1, Hyatt at 1000:600, and Alaska previously at 1:1, but last I looked, it was a bit worse for Alaska. Formerly, 1:000 to 600 on SPG was also really nice. Until the recent AX gold change, it was the best mileage earning card at grocery stores that I knew. The one huge problem for some people was that cards were shut down for MS without notice.

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