Capital One first added transfer partners to some of its top credit cards in 2018 — and things have only gotten better since then. With an array of new partners, enhanced transfer ratios and the launch of the Capital One Venture X Rewards Credit Card in 2021, Capital One has significantly boosted the flexibility of its rewards program.
However, understanding whether it’s better to transfer your Capital One miles or redeem them for a fixed value can be confusing.
In this post, we’ll outline the advantages and disadvantages of each option and offer specific examples to help you decide which choice is ideal for your award travel goals.
Eligible Capital One cards
These are the Capital One cards that are eligible for transfers to the program’s airline and hotel partners:
*The information for the Capital One 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.
Most of Capital One’s transfer partners — including valuable options like Air France-KLM Flying Blue, Air Canada Aeroplan and British Airways Executive Club — have a 1:1 transfer ratio. However, you’ll get a less desirable ratio of 5:3 when transferring Capital One miles to JetBlue, 4:3 with EVA Air Infinity MileageLands and 2:1 with Accor Live Limitless.
Fortunately, Capital One has a handy tool to show you how many miles you will receive before making a transfer.
Related: Why transferable points and miles are worth more than other rewards
Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
Redeeming miles for statement credits
The Capital One Venture X Rewards Credit Card, the Capital One Venture Rewards Credit Card and the Capital One Spark Miles for Business allow you to redeem your miles for statement credits toward any qualifying travel expense made within the last 90 days. Capital One defines travel expenses as “purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares.”
Note that you can also use your miles directly for bookings through Capital One Travel. However, we strongly recommend paying for those purchases with your eligible Capital One card (which may earn you bonus rewards) or booking directly with a travel provider and then using your miles to cover the purchase. This will essentially give you a 5% or 10% rebate on your miles.
The pros
- It’s simple: Travel statement credits offer the flexibility to make reservations in various ways, such as booking directly with the provider, using online travel agencies or working with traditional travel agents. If the purchase falls under the specified merchant categories, you can use your Capital One miles to offset these transactions. There are no award charts, blackout dates, capacity controls or additional taxes and fees to worry about.
- You have flexibility: You can redeem miles for independent hotels and flights on any airline, liberating you from relying solely on major airlines and chain hotels. Plus, Capital One’s definition of travel includes purchases for taxis, bus fares and rail lines, expanding your options for using your miles.
- Awards are treated like regular purchases: Since you’ll pay for the purchase with your card first and then redeem miles for a statement credit, you’ll still earn hotel points, airline miles and credits toward elite status.
The cons
- It gives you limited value: The drawback of using Capital One miles for travel statement credits is that you’ll always receive a fixed value of 1 cent per mile. Since you’re earning at least 2 miles per dollar spent on all purchases, that’s a solid return of 2% — but you won’t find any exceptional awards that offer a higher value.
Related: How credit card issuers define travel and dining purchases
Transferring miles to travel partners
Capital One allows you to transfer your credit card rewards directly to airline and hotel partners, similar to other major card issuers. This isn’t available for all Capital One cards but allows you to get considerably more value out of your miles.
Capital One now offers more than 15 airline and hotel partners. Transfer ratios vary, but most are 1:1, meaning 1,000 Capital One miles will give you 1,000 points or miles in the other program. Transfer times vary as well. Check out our post on transferring Capital One miles to partners for complete details on this process.
The pros
- Your miles can go further: You can often save miles by transferring them to partners and booking award travel compared to redeeming them at a value of 1 cent each. Plus, Capital One occasionally runs transfer bonuses that allow you to stretch your miles even further.
- You can potentially get excellent value: Award travel enthusiasts know there are some great sweet spots out there. For example, if you transfer Capital One miles to Avianca LifeMiles and redeem them for a Lufthansa first-class award (without fuel surcharges), you can get exceptional value for your Capital One miles.
- You can combine miles with existing balances: Capital One miles can be extremely useful for topping off your frequent flyer account balances. For instance, if you have credited a flight to Aeroplan but lack enough miles for an award, you can transfer some Capital One miles to Air Canada to make up the difference and book the ticket.
The cons
- Choosing a transfer partner and booking awards can be confusing: Booking award travel requires understanding different frequent flyer programs and knowing how to search for the best awards. It can be worth it — when you fly in business- or first-class seats that you otherwise couldn’t afford, you’ll be glad you got into points and miles. However, gaining this knowledge requires significant effort and is more complex than simply redeeming miles for statement credits.
- You’ll have to pay taxes and fees: These vary from a few dollars to several hundred, depending on the airline and hotel, and they should be factored into your trip budget. You could also pay for them with your Capital One card and redeem miles to cover them.
- You won’t earn points, miles or elite status: Frequent flyer programs generally don’t allow you to earn points, miles or elite status on flights booked with points or miles (though there are exceptions). With most hotel rewards programs, you’ll earn elite qualifying nights but not hotel points on award stays. If the award you’re interested in costs a similar number of Capital One miles, it’s advisable to pay with your credit card and use your miles to erase the cost rather than transferring them. This approach allows you to earn points or miles on the flight or stay, receive credit toward elite status and potentially qualify for upgrades if you already have elite status.
- Transfers may not be instant: Most transfers happen instantly, but there may be a delay when transferring Capital One miles to airline or hotel partners, which could result in a sought-after premium-class award seat getting taken. To mitigate this, consider putting your desired award ticket on hold or having a backup plan ready.
- It may offer inferior value: You won’t always get the best value by transferring Capital One miles to travel partners. For example, if a flight requires 50,000 airline miles through one of Capital One’s partners but only costs $250, you could charge it to your Capital One card and then use just 25,000 miles to cover the purchase.
That’s why it’s critical to do your research and decide which is the best option.
Related: Why you should add authorized users on the Capital One Venture X
How to decide if you should transfer Capital One miles
The best option — redeeming miles for statement credits or transferring them to partners — will vary on a case-by-case basis.
First, explore Capital One’s list of transfer partners to see if any of them meet your needs. For example, if none of Capital One’s hotel partners have properties in your destination, transferring miles won’t help you.
Then, consider the price of an award flight or stay booked directly through the airline or hotel (don’t forget to factor in any transfer bonuses) and determine what value you could get from your miles. If you can get more than 1 cent per Capital One mile, transferring rewards is usually the way to go — unless earning airline or hotel elite status and using elite perks is very important to you.
Remember to consider the value of the lowest-priced flight you could have booked, not just the current price of the award ticket. For instance, if you could have purchased a cheaper flight on a discount carrier or saved money by booking through another airline with a Chase Offer, that price should be factored into your decision. The same goes for any taxes and fees you’ll have to pay for award travel booked through airlines and hotels.
Additionally, compare award rates when booking flights with carriers that have multiple Capital One transfer partners. For example, you could use either Flying Blue miles or Virgin Red points to book SkyTeam flights, but the cost may vary. Award rates may also vary from one date to another since many airlines use dynamic award pricing — if your dates are flexible, browse different dates to find the best prices.
If that seems clear as mud, don’t worry. We’ll walk you through some real-world examples to show you how to put this into practice and decide the best way to redeem your hard-earned Capital One miles.
Real-world examples of transferring Capital One miles
Let’s say you were looking at a round-trip flight from New York’s John F. Kennedy International Airport (JFK) to Paris-Charles de Gaulle Airport (CDG). Here are the main options for nonstop economy flights in August:
- Paid ticket: $646 on Air France (64,600 Capital One miles)
- Award ticket through Air France: 50,000 miles plus about $110 in taxes and fees
- Award ticket through Avianca: 70,000 miles plus about $180 in taxes and fees
- Award ticket through British Airways: 79,500 Avios plus about $200 in taxes and fees
In this case, transferring miles to Air France-KLM Flying Blue is the winner. Even if you opted to redeem 11,000 Capital One miles to cover the cost of the taxes and fees, you’d still pay fewer miles in total than if you’d paid for the ticket with your card and redeemed your miles for a statement credit.
Now, let’s consider a one-way flight from Chicago’s O’Hare International Airport (ORD) to Seattle-Tacoma International Airport (SEA):
- Paid ticket: $85 on Alaska Airlines (8,500 Capital One miles)
- Award ticket through Air Canada: 12,500 miles plus about $33 in taxes and fees
- Award ticket through Avianca: 15,000 miles plus $58 in taxes and fees
For this trip, you’re better off booking your ticket through Alaska’s website and redeeming Capital One miles toward a statement credit. You’ll save a few thousand miles and the cost of taxes and fees this way. Be sure to include your Alaska Airlines Mileage Plan number to earn miles and receive any elite status benefits, if applicable.
Here’s an example of a hotel redemption. If you’re planning a road trip to the Grand Canyon in September, you could book a refundable standard room at the Ramada by Wyndham Williams/Grand Canyon Area for the following prices:
- Paid reservation: $142 per night (14,200 Capital One miles)
- Award reservation through Wyndham: 15,000 points per night
In this case, you’ll come out a little ahead by redeeming your miles for a statement credit instead of transferring them to Wyndham Rewards.
On the other hand, if you’re visiting Chicago in September and eyeing the Cambria Hotel Chicago Loop — Theatre District, it would make more sense to transfer miles to Choice Privileges and redeem them directly through the hotel:
- Paid reservation: $325 per night, including taxes and fees (32,500 Capital One miles)
- Award reservation through Choice: 30,000 points per night
Related: How to redeem Capital One’s 75,000-mile welcome offer for maximum value
Bottom line
Capital One’s transfer partners can offer some fantastic value to customers with cards like the Capital One Venture Rewards Credit Card and the Capital One Spark Miles for Business. However, redeeming this way adds some complexity, and it’s not always the most cost-effective option. By carefully considering both options using the above framework, you can determine which is best for your trip.
If you don’t have a Capital One card yet, now is a great time to apply for the Venture Rewards, which has a limited-time welcome offer worth over $1,000: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening, plus a $250 Capital One Travel credit in the first cardholder year.
ADVERTISEMENT:
Halo, para pengemar slots pernahkah denger istilah “slot gacor”? jika tidak, bersiaplah jatuh cinta sama konsep ini. slot demo adalah mesin slot yang selalu memberi kemenangan. Ya, slot-slot ini bisa dikatakan adalah andalannya tuk membawa pulang hasil. any way, cemana sih caranya jumpain slot gaco yang benar? Tenang Bro, kita beri santai saja di tempat ini
Game tergacor waktu sekarang satu-satunya di Indonesia hanya di akan memberikan return on Investment tertinggi
SEGERA dengan di :
Informasi mengenai KING SLOT, Segera Daftar Bersama king selot terbaik dan terpercaya no satu di Indonesia. Boleh mendaftar melalui sini king slot serta memberikan hasil kembali yang paling tinggi saat sekarang ini hanyalah KING SLOT atau Raja slot paling gacor, gilak dan gaco saat sekarang di Indonesia melalui program return tinggi di kingselot serta pg king slot
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
situs slot terbaru
situs slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
slot terbaru
slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
elangwin88 permainan paling top dan garansi imbal balik hasil besar bersama elangwin88.me
eyangslot88 permainan paling top dan garansi imbal balik hasil besar bersama eyangslot88.biz
fendi88 permainan paling top dan garansi imbal balik hasil besar bersama fendi88.asia
gaco888 permainan paling top dan garansi imbal balik hasil besar bersama gaco888.net
gacoan888 permainan paling top dan garansi imbal balik hasil besar bersama gacoan888.biz
gacor666 permainan paling top dan garansi imbal balik hasil besar bersama gacor666.biz
gambar88 permainan paling top dan garansi imbal balik hasil besar bersama gambar88.org
gameboy777 permainan paling top dan garansi imbal balik hasil besar bersama gameboy777.com
ganas88 permainan paling top dan garansi imbal balik hasil besar bersama ganas88.me
gasing77 permainan paling top dan garansi imbal balik hasil besar bersama gasing77.asia
gasing88 permainan paling top dan garansi imbal balik hasil besar bersama gasing88.info
geber888 permainan paling top dan garansi imbal balik hasil besar bersama geber888.net
gemoy77 permainan paling top dan garansi imbal balik hasil besar bersama gemoy77.live
gercep888 permainan paling top dan garansi imbal balik hasil besar bersama gercep888.asia
giga333 permainan paling top dan garansi imbal balik hasil besar bersama giga333.live
happybet88 permainan paling top dan garansi imbal balik hasil besar bersama happybet88.asia
harum88 permainan paling top dan garansi imbal balik hasil besar bersama harum88.live
heroslot888 permainan paling top dan garansi imbal balik hasil besar bersama heroslot888.info
jejuslot88 permainan paling top dan garansi imbal balik hasil besar bersama jejuslot88.co
kenzo88 permainan paling top dan garansi imbal balik hasil besar bersama kenzo88.me
kerangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kerangwin88.com
kijangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kijangwin88.asia
kingdomtoto4d permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto4d.asia
kingdomtoto77 permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto77.asia
king selot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.bio
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.com
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
kuta88 permainan paling top dan garansi imbal balik hasil besar bersama kuta88.asia
ladangtoto88 permainan paling top dan garansi imbal balik hasil besar bersama ladangtoto88.asia
ligaciputra88 permainan paling top dan garansi imbal balik hasil besar bersama ligaciputra88.asia
mabar888 permainan paling top dan garansi imbal balik hasil besar bersama mabar888.info
mamen88 permainan paling top dan garansi imbal balik hasil besar bersama mamen88.info
mami88 permainan paling top dan garansi imbal balik hasil besar bersama mami88.live
maniaslot88 permainan paling top dan garansi imbal balik hasil besar bersama maniaslot88.pro
mantra888 permainan paling top dan garansi imbal balik hasil besar bersama mantra888.asia
mawartoto4d permainan paling top dan garansi imbal balik hasil besar bersama mawartoto4d.pro
maxwin888 permainan paling top dan garansi imbal balik hasil besar bersama maxwin888.pro
mega88 permainan paling top dan garansi imbal balik hasil besar bersama mega88.org
mekar999 permainan paling top dan garansi imbal balik hasil besar bersama mekar999.asia
milan96 permainan paling top dan garansi imbal balik hasil besar bersama milan96.asia
olxtoto77 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto77.asia
olxtoto88 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto88.life
panen4d permainan paling top dan garansi imbal balik hasil besar bersama panen4d.asia
pisang88 permainan paling top dan garansi imbal balik hasil besar bersama pisang88.org
planet7777 permainan paling top dan garansi imbal balik hasil besar bersama planet7777.com
prediksi777 permainan paling top dan garansi imbal balik hasil besar bersama prediksi777.live
prediksi88 permainan paling top dan garansi imbal balik hasil besar bersama prediksi88.asia
preman88 permainan paling top dan garansi imbal balik hasil besar bersama preman88.asia
preman96 permainan paling top dan garansi imbal balik hasil besar bersama preman96.asia
premium88 permainan paling top dan garansi imbal balik hasil besar bersama premium88.asia
prima88 permainan paling top dan garansi imbal balik hasil besar bersama prima88.live
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
rajaslotjp88 permainan paling top dan garansi imbal balik hasil besar bersama rajaslotjp88.com
roma88 permainan paling top dan garansi imbal balik hasil besar bersama roma88.asia
salju888 permainan paling top dan garansi imbal balik hasil besar bersama salju888.asia
semutwin88 permainan paling top dan garansi imbal balik hasil besar bersama semutwin88.info
king slot.com permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
sultan777 permainan paling top dan garansi imbal balik hasil besar bersama sultan777.asia
sultan888 permainan paling top dan garansi imbal balik hasil besar bersama sultan888.asia
sultan99 permainan paling top dan garansi imbal balik hasil besar bersama sultan99.asia
super333 permainan paling top dan garansi imbal balik hasil besar bersama super333.live
suster12 permainan paling top dan garansi imbal balik hasil besar bersama suster12.com
tokekwin88 permainan paling top dan garansi imbal balik hasil besar bersama tokekwin88.info
tokyo777 permainan paling top dan garansi imbal balik hasil besar bersama tokyo777.info
tumi88 permainan paling top dan garansi imbal balik hasil besar bersama tumi88.live
vioslot88 permainan paling top dan garansi imbal balik hasil besar bersama vioslot88.asia
dora777 permainan paling top dan garansi imbal balik hasil besar bersama dora777.asia
dp88 permainan paling top dan garansi imbal balik hasil besar bersama dp88.biz
fila888 permainan paling top dan garansi imbal balik hasil besar bersama fila888.org
gaco888slot permainan paling top dan garansi imbal balik hasil besar bersama gaco888slot.com
gadunslot88 permainan paling top dan garansi imbal balik hasil besar bersama gadunslot88.asia
gagah88 permainan paling top dan garansi imbal balik hasil besar bersama gagah88.info
gaskan888 permainan paling top dan garansi imbal balik hasil besar bersama gaskan888.biz
gatotkaca88 permainan paling top dan garansi imbal balik hasil besar bersama gatotkaca88.info
gemoy888 permainan paling top dan garansi imbal balik hasil besar bersama gemoy888.biz
gemoy888slot permainan paling top dan garansi imbal balik hasil besar bersama gemoy888slot.info
gocap888 permainan paling top dan garansi imbal balik hasil besar bersama gocap888.net
god777 permainan paling top dan garansi imbal balik hasil besar bersama god777.biz
hari888 permainan paling top dan garansi imbal balik hasil besar bersama hari888.biz
hermes88 permainan paling top dan garansi imbal balik hasil besar bersama hermes88.biz
holywin999 permainan paling top dan garansi imbal balik hasil besar bersama holywin999.com
indojaya88 permainan paling top dan garansi imbal balik hasil besar bersama indojaya88.org
indomaster88 permainan paling top dan garansi imbal balik hasil besar bersama indomaster88.asia
jablay88slot permainan paling top dan garansi imbal balik hasil besar bersama jablay88slot.net
janjigacor88 permainan paling top dan garansi imbal balik hasil besar bersama janjigacor88.net
jeniustoto88 permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88.com
jeniustoto88slot permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88slot.com
juara88 permainan paling top dan garansi imbal balik hasil besar bersama juara88.info
juara88slot permainan paling top dan garansi imbal balik hasil besar bersama juara88slot.org
jwtogel88 permainan paling top dan garansi imbal balik hasil besar bersama jwtogel88.net
kasih88 permainan paling top dan garansi imbal balik hasil besar bersama kasih88.info
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.com
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.net
kedai88 permainan paling top dan garansi imbal balik hasil besar bersama kedai88.asia
king9999 permainan paling top dan garansi imbal balik hasil besar bersama king9999.org
kkslot88 permainan paling top dan garansi imbal balik hasil besar bersama kkslot88.info
kongsi888 permainan paling top dan garansi imbal balik hasil besar bersama kongsi888.com
kutu88slot permainan paling top dan garansi imbal balik hasil besar bersama kutu88slot.com
liga899 permainan paling top dan garansi imbal balik hasil besar bersama liga899.org
lisboa777slot permainan paling top dan garansi imbal balik hasil besar bersama lisboa777slot.com
