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, given that Capital One’s program is one of the newest transferable points currencies (it was only launched in late 2018). How many partners does Capital One have, how long does it take for points to transfer, who can you transfer points to, etc.
How many loyalty partners does Capital One have?
As of now, Capital One has 17 airline and hotel transfer partners.
|Aeromexico Club Premier||Accor Live Limitless (ALL)|
|Air Canada Aeroplan||Wyndham Rewards|
|Air France/KLM Flying Blue|
|Cathay Pacific Asia Miles|
|EVA Air Infinity MileageLands|
|Hainan Fortune Wings Club|
|Qantas Frequent Flyer|
|Qatar Airways Privilege Club|
|Singapore Airlines KrisFlyer|
How long does it take to transfer Capital One miles in July 2020?
Below is a chart with how long it typically takes to transfer Capital One miles:
|Capital One Transfer Partner||Transfer Ratio||Transfer Time|
|Aeromexico Club Premier||1000 : 750||Instant|
|Air Canada Aeroplan||1000 : 750||Instant|
|Air France KLM Flying Blue||1000 : 750||Instant|
|Alitalia MilleMiglia||1000 : 750||Instant|
|Avianca LifeMiles||1000 : 750||Instant|
|Cathay Pacific Asia Miles||1000 : 750||~ 3 to 5 days|
|Emirates Skywards||1000 : 500||Instant|
|Etihad Guest||1000 : 750||~ 12 to 24 hours|
|EVA Air Infinity MileageLands||1000 : 750||~ 24 to 48 hours|
|Finnair Plus||1000 : 750||Instant|
|Hainan Airlines Fortune Wings Club||1000 : 750||~ 24 to 48 hours|
|JetBlue TrueBlue||1000 : 500||Instant|
|Qantas Frequent Flyer||1000 : 750||~ 24 to 48 hours|
|Qatar Airways Privilege Club||1000 : 750||~ 24 to 48 hours|
|Singapore Airlines KrisFlyer||1000 : 500||~ 24 to 48 hours|
|Accor Live Limitless (ALL)||1000 : 500||TBD|
|Wyndham Rewards||1000 : 750||TBD|
As you can see, transfers to about half of Capital One’s partners are instant, while transfers to the other half typically take just one or two 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.
Can you transfer Capital One miles to someone else’s Capital One account?
If you have a cards 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 EVA Air Infinity MileageLands
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.
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.
Transfer Capital One miles to Hainan Fortune Wings Club
What cards earn Capital One miles?
There are four credit cards that earn Capital One miles that can be transferred to airlines or hotels:
However, there are really two best options:
- The Capital One® Venture® Rewards Credit Card is the best personal credit card; it offers 2x Venture miles per dollar spent, has a reasonable $95 annual fee that’s waived for the first year, and offers some other great perks that make the card worthwhile
- The Capital One® Spark® Miles for Business is the best business credit card; it offers 2x Spark miles per dollar spent, has a reasonable $95 annual fee that’s waived for the first year, and offers some other great perks that make the card worthwhile
Should you transfer Capital One miles to travel partners?
Generally speaking your Venture and Spark 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 at a ratio of up to 2:1.5.
Which redemption option makes more sense depends on your spending patterns. If you value one of the partner miles at more than 1.33 cents each (2/1.5), then generally I’d say that’s the better redemption value.
To simplify things even further, I’d generally say that:
- If you want to redeem your Venture/Spark miles for anything other than flights, your best option is redeeming them at one cent each towards a travel purchase
- If you want to redeem your Venture/Spark 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/Spark miles towards economy airfare (especially if it’s reasonably priced), your best option is redeeming them at one cent each to erase the cost of that purchase
Those are very general guidelines, and the best solution very much depends on the specific circumstances.
One last thing to keep in mind is that Capital One often has transfer bonuses, where you can get even more points when you transfer your miles to airline and hotel programs. So that’s something to keep an eye on, because it can get you outsized value on points transfers.
You can also redeem Capital One miles towards the cost of a travel purchase
Capital One points transfer summary
Capital One has really created a great points program, since introducing the transfer function in late 2018. Not only have they assembled a nice collection of partners, but they’ve also frequently offered transfer bonuses, which have offered even more value for your miles.
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!