How Long Do Capital One Mileage Transfers Take? (2021)

How Long Do Capital One Mileage Transfers Take? (2021)

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If you’re collecting miles & points through credit card spending, I always recommend doing what you can to accrue transferable points currencies. That’s because these points are much more flexible than when you’re earning an individual airline or hotel points currency. You have the ability to transfer these points to all kinds of travel partners, and you’re safeguarded from a devaluation in a specific points currency.

With that in mind, in this post I wanted to address all the basics of transferring Capital One miles to the program’s airline and hotel partners. Thanks to some recent improvements to Capital One’s mileage transfer program, I value these miles a lot more than in the past. Furthermore, I imagine lots more people will be interested in this currency thanks to the introduction of the Capital One Venture X Rewards Credit Card, which is Capital One’s amazing new premium credit card.

Let’s go over all of the basics, including how many transfer partners Capital One has, how long it takes to transfer points, who you can transfer points to, etc.

How many loyalty partners does Capital One have?

Capital One has 16 transfer partners, including 14 airline programs and two hotel programs. These include the following:

Airline Partners
Hotel Partners
Aeromexico Club Premier
Accor Live Limitless (ALL)
Air Canada Aeroplan
Wyndham Rewards
Air France-KLM Flying Blue
Avianca LifeMiles
British Airways Executive Club
Cathay Pacific Asia Miles
Emirates Skywards
Etihad Guest
EVA Air Infinity MileageLands
Finnair Plus
Qantas Frequent Flyer
Singapore Airlines KrisFlyer
TAP Air Portugal Miles&Go
Turkish Airlines Miles&Smiles
Capital One transfer partners

How long does it take to transfer Capital One miles in December 2021?

Below is a chart with how long it typically takes to transfer Capital One miles to airline and hotel partners:

Capital One Transfer Partner
Transfer Ratio
Transfer Time
Accor Live Limitless (ALL)
1000 : 500
~ 24 to 48 hours
Aeromexico Club Premier
1000 : 1000
Instant
Air Canada Aeroplan
1000 : 1000
Instant
Air France-KLM Flying Blue
1000 : 1000
Instant
Avianca LifeMiles
1000 : 1000
Instant
British Airways Executive Club
1000 : 1000
Instant
Cathay Pacific Asia Miles
1000 : 1000
~ 3 to 5 days
Emirates Skywards
1000 : 1000
Instant
Etihad Guest
1000 : 1000
~ 12 to 24 hours
EVA Air Infinity MileageLands
1000 : 750
~ 24 to 48 hours
Finnair Plus
1000 : 1000
Instant
Qantas Frequent Flyer
1000 : 1000
~ 24 to 48 hours
Singapore Airlines KrisFlyer
1000 : 1000
~ 24 to 48 hours
TAP Air Portugal Miles&Go
1000 : 1000
Instant
Turkish Airlines Miles&Smiles
1000 : 1000
~ 24 to 48 hours
Wyndham Rewards
1000 : 1000
Instant
Capital One Transfer Ratios & Times

As you can see, transfers to over half of Capital One’s partners are instant, while transfers to the remaining programs typically take anywhere from several hours to a couple of days.

Transfer Capital One miles to Qantas Frequent Flyer

Are there fees associated with transferring Capital One miles?

Nope, there are no fees associated with transferring Capital One miles, regardless of which partner you transfer points to. However, there may be ticketing or other fees with specific programs when it comes time to redeem points.

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

If you have a card earning Capital One miles, 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.

Transfer Capital One miles to Etihad Guest

Can you transfer Capital One miles to someone else’s loyalty account?

No. While you can transfer your Capital One miles to someone else’s Capital One account and then they can transfer it to their preferred loyalty program, you can’t transfer your Capital One miles directly to someone else’s loyalty program account.

The name of the Capital One account and loyalty program account have to match.

You can only transfer Capital One miles to your own loyalty account

How soon after spending do Capital One miles post to your account?

One of the unique things about Capital One miles is that the miles post to your Capital One account within days of when you spend money on the card. Talk about instant gratification. With most other card issuers, miles post either after the statement closes, or even sometimes two statements later.

That means that within days you could be redeeming the miles associated with your spending today.

Book EL AL business class by transferring Capital One miles to Qantas Frequent Flyer

What credit cards earn Capital One miles?

There are a few cards that earn Capital One miles that can be transferred to airlines or hotels:

Capital One Venture X Rewards Credit Card
Learn More Terms Apply.
  • Earn 2x Venture miles on every purchase
  • No Foreign Transaction Fees
  • 10,000 bonus miles every account anniversary
  • $395
Capital One Venture Rewards Credit Card
Learn More Terms Apply.
  • Earn 2x Venture miles on every purchase
  • No Foreign Transaction Fees
  • Global Entry/TSA Pre-Check Credit
  • $95
Capital One VentureOne Rewards Credit Card
Learn More Terms Apply.
  • Earn unlimited 1.25x miles per dollar on every purchase
  • No Foreign Transaction Fees
  • No Annual Fee
  • $0
Capital One Spark Miles for Business
Learn More Terms Apply.
  • Unlimited 2x miles per dollar
  • No Foreign Transaction Fees
  • Primary Car Rental Coverage
  • $0 intro for first year; $95 after that

However, there are really two best options as of now:

The Venture X is the best card for earning Capital One miles

Should you transfer Capital One miles to travel partners?

Generally speaking your Capital One miles can either be redeemed for one cent each towards the cost of a travel purchase, or can be transferred to one of the airline and hotel partners. Transfers to a vast majority of partners are at a 1:1 ratio, which is excellent.

Which redemption option makes more sense depends on your spending patterns. Personally I value Capital One miles at 1.7 cents each, and that’s based on the ability to transfer them at a 1:1 ratio to an airline partner. I consider that to be a much better deal, at least for those seeking out aspirational travel.

Redeem Capital One miles for travel in Emirates first class

However, I recognize not everyone wants to redeem their rewards that way, so let me simplify this a bit further:

  • If you want to redeem your Capital One miles for anything other than flights, your best option is probably redeeming them at one cent each towards a purchase
  • If you want to redeem your Capital One miles towards airfare, you’ll get more value for international first and business class tickets when transferring miles to an airline partner
  • If you want to redeem your Venture or Spark miles towards economy airfare (especially if it’s reasonably priced), your best option might be redeeming them at one cent each towards a purchase

Those are very general guidelines, and the best solution very much depends on the specific circumstances. Personally I exclusively redeem my Capital One miles by transferring them to airline partners, and then I book international first & business class tickets, but I recognize not everyone is looking for those kinds of redemptions.

Read our guide on the best ways to redeem Capital One miles.

Redeem Capital One miles towards the cost of a travel purchase

Bottom line

Capital One has created a great points program. The transfer function was first introduced in late 2018, and has been considerably improved since then. Not only has Capital One assembled a nice collection of partners, but we’ve seen transfer ratios improve, and we’ve also seen some transfer bonuses. Add in the new Capital One Venture X Card, and the program gets even more exciting.

The good thing about Capital One miles is that redeeming them as cash towards travel and transferring them to airline and hotel partners can both be a great deal, so you get a lot of flexibility with these points.

If you have any data points on how long Capital One mileage transfers have taken you, please share them below, so that I can keep the chart as accurate as possible!

Conversations (5)
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  1. Fred Guest

    I had a Capital One credit card a few years back. Their customer service was terrible. Merchant disputes for duplicate charges were never awarded in my favor. I vowed to never use them again and I’ll continue to adhere to that commitment.

  2. Gabriel Guest

    Currently, I have CSR, Citi Premier as my travel cards, with co-branded cards like Hilton Aspire. The new C1 Venture X is definitely getting my attention. I am considering applying for it, then downgrade my CSR to CSP. I like the CSR's primary car rental insurance, with C1 having that coverage also, that allows me to "switch." CSR also has bonus category on transportation like Uber, Lyft, and any public transport that probably can't be...

    Currently, I have CSR, Citi Premier as my travel cards, with co-branded cards like Hilton Aspire. The new C1 Venture X is definitely getting my attention. I am considering applying for it, then downgrade my CSR to CSP. I like the CSR's primary car rental insurance, with C1 having that coverage also, that allows me to "switch." CSR also has bonus category on transportation like Uber, Lyft, and any public transport that probably can't be replaced, but I don't spend that much in this category. I need to remind myself of the new categories added to the CSP...I remember it has some good ones. This way, I can save some money on the annual fee for sure.

  3. Alec Guest

    If I'm just looking for a card for my every day spend does the Venture card make more sense than the Venture X? I get the $300 X credit makes up for fee difference between the two but wouldn't I be better off just paying that $300 myself toward a hotel and getting elite benefits/nights? I currently use the Chase Unlimited for non bonus but I think with 33% more points (2x vs 1.5x) I...

    If I'm just looking for a card for my every day spend does the Venture card make more sense than the Venture X? I get the $300 X credit makes up for fee difference between the two but wouldn't I be better off just paying that $300 myself toward a hotel and getting elite benefits/nights? I currently use the Chase Unlimited for non bonus but I think with 33% more points (2x vs 1.5x) I can make up the $95 fee in spend. I guess only other variable is the sign up bonus... may be worth getting X then downgrading

    1. Ben Schlappig OMAAT

      @ Alec -- Keep in mind the Venture X not only offers a $300 credit through Capital One Travel, but also offers 10K anniversary miles. Between those two things, I think there's simply no way to justify the Venture over the Venture X.

      That's not even accounting for other incremental perks, like lounge access.

    2. Hobbs Guest

      @ Ben: I have a $59 Venture and Amex Gold and Platinum. I gorged on the Venture 10x Hotels.com bonus.
      Along comes Amex, which I am very happy with, as it suits my travel needs. The Venture is getting a little more usage now with the improved transfer partner ratios. Am I justified in not upgrading?

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

Fred Guest

I had a Capital One credit card a few years back. Their customer service was terrible. Merchant disputes for duplicate charges were never awarded in my favor. I vowed to never use them again and I’ll continue to adhere to that commitment.

0
Hobbs Guest

@ Ben: I have a $59 Venture and Amex Gold and Platinum. I gorged on the Venture 10x Hotels.com bonus. Along comes Amex, which I am very happy with, as it suits my travel needs. The Venture is getting a little more usage now with the improved transfer partner ratios. Am I justified in not upgrading?

0
Gabriel Guest

Currently, I have CSR, Citi Premier as my travel cards, with co-branded cards like Hilton Aspire. The new C1 Venture X is definitely getting my attention. I am considering applying for it, then downgrade my CSR to CSP. I like the CSR's primary car rental insurance, with C1 having that coverage also, that allows me to "switch." CSR also has bonus category on transportation like Uber, Lyft, and any public transport that probably can't be replaced, but I don't spend that much in this category. I need to remind myself of the new categories added to the CSP...I remember it has some good ones. This way, I can save some money on the annual fee for sure.

0
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