Looking to squeeze more value from your Capital One miles? You've come to the right place. While using miles as a statement credit offers simplicity, transferring to travel partners can unlock significantly greater value for your rewards. In this comprehensive guide, we'll explore everything you need to know about Capital One's transfer partners, showing you how to transform everyday spending into extraordinary travel experiences.

What Are Capital One Transfer Partners?

Capital One transfer partners are airline and hotel loyalty programs where you can move your Capital One miles, often at a 1:1 ratio, to book award flights and hotel stays. This flexibility is what makes transferable points currencies like Capital One miles so valuable in the travel rewards ecosystem.

Capital One currently offers 18 travel partners, including 15 airline partners and 3 hotel partners, giving you incredible flexibility when redeeming your hard-earned miles. Most transfers happen at a favorable 1:1 ratio, meaning 1,000 Capital One miles become 1,000 partner points or miles. According to Capital One's official transfer partner guide, this straightforward approach simplifies the redemption process compared to other credit card programs.

Which Capital One Cards Earn Transferable Miles?

Not all Capital One cards earn miles that can be transferred to partners. Here are the main cards that earn transferable Capital One miles:

Personal Cards:

• Capital One Venture X Rewards Credit Card: The premium option with lounge access and premium benefits
• Capital One Venture Rewards Credit Card: The popular mid-tier option with a reasonable annual fee
• Capital One VentureOne Rewards Credit Card: The no-annual-fee option with a lower earning rate

Business Cards:

• Capital One Spark Miles for Business: Earn 2X miles on all purchases
• Capital One Venture X Business: Premium business option with excellent travel benefits
• Capital One Spark Miles Select for Business: No-annual-fee business option

An interesting benefit of the Capital One ecosystem is that once you have a card earning transferable miles, you can convert cash back from your other Capital One cards into transferable miles. This makes pairing a miles-earning card with cash back cards like the Capital One Savor Cash Rewards Credit Card a powerful strategy.

Capital One Airline Transfer Partners (2025)

Capital One boasts 15 airline transfer partners representing all three major airline alliances—Oneworld, SkyTeam, and Star Alliance—plus independent carriers. This gives you access to flights on virtually any airline in the world through partner bookings.

Here's the complete list of airline partners and their current transfer ratios:

Capital One Hotel Transfer Partners (2025)

Capital One offers three hotel transfer partners: Accor Live Limitless, Choice Privileges, and Wyndham Rewards. While these aren't the "big three" hotel programs (Hilton, Hyatt, and Marriott), they offer unique value depending on your travel plans.

Here are the hotel partners and their transfer ratios:

How to Transfer Capital One Miles to Partners

The process of transferring Capital One miles to travel partners is straightforward:

1. Log into your Capital One account and navigate to the rewards section
2. Select "Transfer Miles" or "Convert Rewards"
3. Choose your desired airline or hotel partner
4. Enter your frequent flyer or hotel loyalty program number
5. Select the number of miles you want to transfer (minimum 1,000)
6. Confirm the transfer

Most transfers process instantly or within 24 hours, though some partners may take longer. For detailed transfer times by partner, refer to our Capital One transfer time database. Once transferred, these miles cannot be returned to your Capital One account, so be certain of your redemption before transferring.

If you're new to transferring points, we recommend reading our beginner's guide to points transfers for additional tips and strategies.

Best Ways to Use Capital One Miles with Transfer Partners

Not all transfer partners offer equal value. Based on our analysis, here are some of the best ways to use your Capital One miles:

Air Canada Aeroplan

Aeroplan is one of the most valuable Capital One transfer partners, allowing you to book flights on Star Alliance carriers like United and Lufthansa. One of its best features is the ability to add a stopover for just 5,000 additional points, essentially giving you two destinations for slightly more than the price of one. For more details on maximizing Aeroplan redemptions, check out our guide to Star Alliance sweet spots.

Air France/KLM Flying Blue

Flying Blue offers competitive pricing on business class flights to Europe, sometimes for as low as 50,000-55,000 miles one-way from the U.S. Their monthly Promo Rewards can offer even better deals with discounts of 25-50% on select routes, making it one of the most valuable SkyTeam loyalty programs.

British Airways Executive Club

British Airways Avios can offer exceptional value for short-haul flights. In one real example, a flight that would cost $608 (or 60,000 miles) through the Capital One Travel portal was available for just 16,000 Avios plus $5.60 in fees when transferred—that's 375% more value! This aligns with our guide to maximizing Avios.

Turkish Airlines Miles&Smiles

The Turkish Airlines Miles&Smiles program offers tremendous value for business class flights to Europe at around 45,000 miles each way, potentially providing a value of approximately 3 cents per point—well above the standard redemption value.

Wyndham Rewards

While not always the best value, Wyndham Rewards can offer significant savings at high-end properties. For example, the Days Inn by Wyndham New York Chinatown charged 15,000 points per night for a room that would otherwise cost $403.97—a redemption value of 2.69 cents per point.

Wyndham's partnership with Vacasa vacation rentals also presents a unique sweet spot. One-bedroom Vacasa rentals cost just 15,000 Wyndham points regardless of the cash price, which can deliver extraordinary value for vacation rentals that might otherwise cost $500-600 per night.

Transfer Partners to Consider Avoiding

While every program has potential sweet spots, some partners generally offer less value:

JetBlue TrueBlue

The unfavorable 5:3 transfer ratio (1,000 Capital One miles = 600 TrueBlue points) makes JetBlue a poor transfer option in most cases, yielding a value of only about 0.81 cents per Capital One mile.

Accor Live Limitless

As the only hotel program whose points transfer at a ratio less than 1:1, Accor offers less value than its counterparts. For 2,000 Accor points (requiring 4,000 Capital One miles), you'll get a 40 Euro discount on your hotel bill—generally not a good enough return compared to other redemption options.

EVA Air Infinity MileageLands

The 2:1.5 transfer ratio reduces the value of your Capital One miles, and EVA's award chart rarely offers standout redemption opportunities compared to other Star Alliance partners like Aeroplan or Avianca LifeMiles.

Maximizing Value: Capital One Travel Portal vs. Transfer Partners

When deciding whether to use the Capital One Travel portal or transfer to partners, consider these general guidelines:

1. For economy flights: Compare both options; sometimes the travel portal offers better value, especially for domestic flights during sales.
2. For premium cabins: Almost always transfer to airline partners. Business and first-class awards typically offer the highest value when booked through transfer partners.
3. For hotels: Compare Capital One Travel portal rates with transfer partner options. Wyndham and Choice can occasionally offer better value for specific properties.
4. For unique experiences: Some loyalty programs offer special experiences that can't be booked through the portal, making transfers the only option.

Advanced Strategies for Capital One Miles

Combine with Other Transferable Points

Many Capital One partners also partner with other transferable points currencies like Chase Ultimate Rewards, American Express Membership Rewards, and Citi ThankYou Points. This allows you to combine points from multiple programs to reach award thresholds faster. For a comprehensive comparison, see our guide to transferable points programs.

Watch for Transfer Bonuses

Capital One occasionally offers limited-time transfer bonuses, giving 15-30% extra miles when transferring to select partners. These promotions can significantly increase the value of your miles. You can stay updated on current transfer bonuses through resources like Doctor of Credit, which regularly tracks these limited-time offers.

Book Partner Airlines through Alliances

Remember that you can book flights on airlines that aren't direct Capital One partners by transferring to alliance partners. For example:

• To book United flights: Transfer to Air Canada, Avianca, Turkish, or Singapore Airlines (Star Alliance members) • To book American Airlines flights: Transfer to British Airways, Cathay Pacific, or Qantas (Oneworld members) • To book Delta flights: Transfer to Air France/KLM or Aeromexico (SkyTeam members)

Learning the ins and outs of airline alliances can dramatically expand your redemption options, as explained in our ultimate guide to airline alliances.

Essential Tips Before Transferring Miles

1. Confirm availability before transferring: Once miles are transferred to partners, they cannot be transferred back to Capital One. According to The Points Guy, this is one of the most common mistakes made by beginners.
2. Check for partner booking fees: Some programs charge booking fees or pass on high fuel surcharges that can diminish the value of your redemption.
3. Consider award chart sweet spots: Research each program's award chart to identify routes that offer exceptional value. Our award chart sweet spots guide can help you identify the best opportunities.
4. Verify transfer times: While most transfers process quickly, some partners may take several days. Plan accordingly, especially for time-sensitive bookings.
5. Match your name exactly: Ensure your name matches exactly between your Capital One account and the loyalty program account to avoid transfer issues.

Bottom Line

Capital One's transfer partners offer tremendous potential to maximize the value of your miles, often yielding 2-3 times more value than standard redemptions through the travel portal. Whether you're planning a dream vacation in business class or looking for budget-friendly hotel stays, understanding how to leverage these partnerships can transform your travel experiences.

By strategically choosing the right transfer partners based on your travel goals, you can unlock extraordinary value from your everyday spending—truly allowing you to travel more for less.

Have you transferred Capital One miles to partners?

This article was last updated on May 6, 2025, to reflect the most current Capital One transfer partners and ratios.

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