Guide to Capital One transfer partners

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Capital One transfer partners give you yet another way to use rewards from this card issuer. After all, having access to transfer partners means you can turn your Capital One miles into rewards with another program, but only if you want to.

Fortunately, this card issuer has gone to great lengths to grow its roster of Capital One transfer partners over the last few years. Several new transfer partners—including three frequent flyer programs and one new hotel transfer partner—were even recently added on Apr. 20, 2021.

Thanks to Capital One’s dedication to their program, you can now transfer miles to partners like British Airways, TAP Air Portugal, Turkish Airlines and Choice Hotels starting later this year. Not only that, but Capital One improved transfer ratios to 1:1 for seven of their partners, which can help you get even better value for your travel rewards.

While Capital One Venture transfer partners aren’t quite as valuable as those offered by the Chase Ultimate Rewards program or American Express Membership Rewards, having more ways to use your miles is always a good thing. Before you sign up for a Capital One credit card with the purpose of utilizing Capital One transfer partners, here is everything you need to know.

A full list of Capital One transfer partners

All Capital One Venture transfer partners let you turn Capital One miles into frequent flyer miles or hotel points, but not all at the same ratio. Where the best Capital One transfer partners let you convert miles at a ratio of 1:1, others let you transfer miles to points at a 2:1.5 ratio or 2:1 ratio.

Here’s a full list of Capital One transfer partners and their current ratios, accurate as of May 2021:

Airline Transfer ratio (Capital One miles to new program)
Accor 2:1
Aeromexico 1:1
Aeroplan 2:1.5
Air France / Flying Blue 2:1.5
Alitalia 2:1.5
Avianca LifeMiles 1:1
British Airways 2:1.5
Cathay Pacific 1:1
Choice Privileges 1:1
Emirates 2:1
Etihad Guest 1:1
EVA Infinity MileageLands 2:1.5
Finnair 1:1
JetBlue TrueBlue 2:1.5
Qantas 1:1
Singapore Airlines 2:1
TAP Air Portugal 1:1
Turkish Airlines 2:1.5
Wyndham Rewards 1:1

Here’s a rundown of each of the Capital One airline and hotel transfer partners, including how they rank.

Accor: OK

With the Accor Live Limitless loyalty program, you get the chance to book a stay at more than 5,100 properties in 110 countries around the globe. However, most Accor properties are in Europe, so this transfer partner may be of limited value to you if you travel mostly in the United States or anywhere Accor branded properties are few and far between.

On the upside, Accor lets you book stays in properties without having to worry about blackout dates. You can also use cash and points for your booking, with 2,000 Accor points knocking $40 off your hotel bill.

Interestingly, you can even transfer Accor points to select airline partners like Air France and Qatar Airways.

Aeromexico: OK

The Aeromexico Club Premier program may not be the best around, but it at least offers an award chart that shows how many miles you’ll need for a free flight.

Some options come with decent value, too. For example, you can fly round-trip from Mexico to the United States (or vice versa) in economy for just 56,000 miles during off-peak season. You could also fly within Mexico in economy for just 28,000 miles round-trip.

Air Canada (Aeroplan): Good

Air Canada is a Star Alliance partner airline, which means it aligns with other Star Alliance partners like United Airlines and TAP Air Portugal. This program is also one that still maintains an award chart, so it’s easy to know how many miles you’ll need for the flight you want to book.

One sweet spot to keep track of is the fact you only need 17,500 to 25,000 Air Canada Aeroplan miles for a round-trip economy flight (2,751+ miles one-way) within the mainland U.S. and Canada.

Air France & KLM (Flying Blue): Excellent

The Air France / Flying Blue program is excellent for anyone, but especially for frequent visitors to France and other European countries. You can usually find round-trip flights within the U.S. and European destinations like Paris and Amsterdam for 50,000 miles or less. This program also tends to have excellent award availability, meaning it’s easy to find award seats as well as more than one award seat on the same flight.

Air France / Flying Blue is also a transfer partner of Chase Ultimate Rewards, American Express Membership Rewards and Citi ThankYou Rewards. The Air France / Flying Blue program also has its own airline credit card, so it’s easy to rack up points in this program.

Alitalia: Poor

The Alitalia rewards program, which is known as MilleMiglia, is nothing to write home about. Flights within Italy can be of OK value since they start at 10,000 miles one-way, but a round-trip flight to the U.S. will set you back 60,000 miles in economy.

The biggest problem with Alitalia is the fact that this airline doesn’t fly to too many destinations outside of Europe and the Middle East.

Avianca: OK

The Avianca LifeMiles program has some sweet spots worth looking forward to, although it all depends on where you want to fly. Many people love this frequent flyer program due to the fact it doesn’t pass on fuel surcharges when you book a Star Alliance partner award.

Also, note that you could use 90,000 LifeMiles to fly a first-class award from the United States to Asia. Meanwhile, you could fly business class to Europe on an Avianca partner airline starting at just 63,000 miles.

British Airways: Good

British Airways is part of the Oneworld alliance along with American Airlines, Iberia, Cathay Pacific and others. This means you can fly with British Airways or its partners to almost 1,000 destinations in more than 150 countries around the world.

Many travel enthusiasts rack up British Airways avios whether they travel to the U.K. or not, and this is due to the fact you can use Avios to book cheap domestic flights on American Airlines. In fact, you can book a nonstop award flight within North America that covers up to 650 miles for 7,500 Avios. You can also book a flight that travels up to 1,151 miles with 9,000 Avios.

While many complain about British Airways fuel surcharges for flights to the U.K., keep in mind that you can book awards with their partners like Aer Lingus and avoid exorbitant surcharges in some cases.

Cathay Pacific: Very Good

Cathay Pacific is another frequent flyer partner that still offers an award chart, which is a good thing. Its award chart is distance-based, however, so you’ll find that longer flights can set you back considerably more miles.

A few sweet spots to look for include ultrashort economy flights within Asia for just 7,500 miles one-way, as well as the shortest-route, one-way business class flights for just 16,000 miles.

Choice Privileges: Good

Choice Hotels is one of the newest Capital One Venture transfer partners, and they let you transfer miles at a 1:1 ratio. You can also use your points to book a stay at more than 7,000 hotels in more than 40 countries or territories.

We also like the fact that award nights with Choice Privileges start at just 8,000 points. You can even use Choice Privileges for an award stay in AMResorts all-inclusive resorts in destinations like Mexico, Jamaica, Costa Rica and Curacao.

Through a partnership with Bluegreen Vacations, you can also redeem points for condo-style accommodations in resort towns like Orlando or Las Vegas.

Emirates: Good

When it comes to the Emirates Skywards program, you’ll find these miles can be valuable if you fly to the Middle East and a surprising number of other destinations around the globe. One-way awards start at just 15,000 miles, and you can also use your miles for an upgrade or pay for a flight with cash and points.

Value can be plentiful with this program, and that’s especially true since it’s considered one of the most luxurious airlines in the world.

Etihad Guest: Very Good

The Etihad Guest program can offer a ton of value depending on your itinerary, and that’s especially true with the new 1:1 transfer ratio. This frequent flyer program also makes things easy by offering an award calculator that lets you know how many miles you’ll need for a flight. Most of its travel destinations are in the Middle East, but you can also use the Etihad Guest program to fly to Europe, Africa, South America and other continents around the globe.

While the number of miles you’ll need can vary, a one-way flight from Los Angeles (LAX) to Abu Dhabi (AUH) would set you back a minimum of 62,500 miles.

EVA Air: Poor

Eva Air calls its loyalty program the Infinity MileageLands program, and it claims that award tickets start at 6,750 miles. However, most flights will cost more than that. As an example, flying round-trip between Asia and the United States would set you back 100,000 miles in economy, and a one-way flight between Asia and Europe would cost you at least 50,000 miles in economy.

Finnair: Poor

Finnair isn’t very valuable as a Capital One transfer partner either, although it does help that its transfer ratio is now 1:1. With Finnair Plus points, you can fly one-way within Europe for just 10,000 miles, but a one-way flight in economy between Europe and North America would cost you 55,000 miles.

Business awards are exorbitant, so you won’t want to use this program for anything other than economy flights.

JetBlue: Good

The JetBlue TrueBlue program has a redemption-based award scheme, meaning you’ll pay a number of miles for your flight that corresponds to the cash price. Due to the way its loyalty program is set up, you can find some really good deals in miles on JetBlue when prices are low. For example, you can frequently find round-trip flights from the U.S. to the Caribbean for less than 20,000 miles round-trip.

Also, note that the JetBlue program lets you redeem cash and points, which makes it unique among many airline programs.

Qantas: Good

Qantas miles are useful whether you want to fly or redeem for hotels, other travel or merchandise when you shop. However, you’ll get more value when you redeem your miles for flights. You also have the option to cash in your miles for flight upgrades or use a combination of cash and miles.

You can use your miles to fly to more than 1,200 destinations around the globe, and we like that they have a calculator that tells you how many miles you’ll need for an award flight. As just one example, you could use 83,800 Qantas points to fly round-trip from Los Angeles (LAX) to Sydney, Australia (SYD).

Singapore Airlines: Good

Singapore Airlines offers a solid frequent flyer program with a ton of value when you use miles for its premium cabins. For example, you could fly from the eastern part of the United States or Houston to Europe on first class for 140,000 miles one-way. That may sound like a lot, but Singapore Airlines is known for offering a premium experience.

You can also use this partner to fly round-trip from the western end of the United States to Japan starting at 110,000 miles one-way.

TAP Air Portugal: OK

TAP Air Portugal is the premier airline of Portugal, so it can be a good option if you dream of flying into Lisbon or stopping in Portugal on the way to other parts of Europe. This Capital One transfer partner also offers an attractive 1:1 transfer ratio, which can help you get a lot more value for your miles.

You’ll also find an award calculator on their website, which makes it easy to know approximately how many miles you’ll need for a trip. One-way economy flights from North America start at 29,000 miles, but you can also pay with a combination of miles and cash. All executive class flights from North America start at 100,000 miles one-way, so TAP Air Portugal is a poor option if you prefer to fly in luxury.

Turkish Airlines: Poor

Turkish Airline is another Capital One transfer partner as of 2021, yet you may struggle to get a lot of value out of this program. The transfer ratio isn’t that great since you only get 1.5X miles in the Turkish Airlines program for every 2X Capital One miles you transfer. Plus, round-trip economy flights from North America to North Africa start at 45,000 miles.

If you want to use miles to fly to the Middle East, you will be even worse off. Round-trip economy flights from Europe to the Middle East start at 50,000 miles, and a round-trip economy flight from Turkey to North America starts at 90,000 miles.

Wyndham Rewards: OK

The main downside of Wyndham Rewards is the fact you have to use it at Wyndham properties, which aren’t that popular or widely available in many destinations. However, free nights range from 7,500 to 30,000 points, and you can also combine points and cash to stretch your rewards further.

Wyndham Rewards also lets you redeem your miles for vacation rentals with multiple bedrooms, which can make this program worth exploring if you travel with kids and need some space to spread out. Wyndham Rewards also has a few of its own co-branded hotel credit cards.

Best Credit Cards for Earning Capital One Miles

If you want Capital One miles you can use for transfers to airline and hotel partners, you’ll need to sign up for a Capital One credit card. We suggest taking the time to compare the following travel credit cards based on their welcome bonus and ongoing rewards structure as well as the perks they offer.

Capital One Venture Rewards Credit Card: Best for travel perks

  • 60,000 bonus miles when you spend $3,000 on your card within three months of account opening
  • Earn an unlimited 2X miles for each dollar you spend
  • $95 annual fee
  • Cardholder benefits include no foreign transaction fees, up to $100 in credits for Global Entry or TSA PreCheck membership, auto rental collision damage waiver, travel accident insurance, extended warranties and more

Capital One VentureOne Rewards Credit Card: Best for no annual fee

  • 20,000 bonus miles when you spend $500 on your card within three months of account opening
  • Earn an unlimited 1.25X miles for each dollar you spend
  • No annual fee
  • Benefits include no foreign transaction fees, auto rental collision damage waiver, extended warranties, and travel and emergency assistance

Capital One Spark Miles for Business: Best for small business

  • 50,000 miles when you spend $4,500 on your card within three months of account opening
  • Earn an unlimited 2X miles for each dollar you spend
  • $0 annual fee the first year, then $95
  • Major cardholder benefits include up to $100 in credits toward Global Entry or TSA PreCheck membership, no foreign transaction fees and roadside assistance

Capital One Spark Miles Select for Business: Best no-annual-fee business card

  • 20,000 miles when you spend $3,000 in the first three months of account opening
  • Earn an unlimited 1.5X miles for each dollar you spend, plus 5X miles on hotels and car rentals through Capital One Travel
  • No annual fee
  • Benefits include no foreign transaction fees and roadside assistance, among others

How to transfer Capital One miles

Once you begin earning Capital One miles with one of their top rewards credit cards, you can take steps to transfer miles from your Capital One account to the Capital One hotel transfer partner or airline partner of your choice. Here are the steps involved in doing just that:

Step 1: Log into your Capital One account online or mobile app.

Step 2: Click on the button that says “view rewards” within your account.

Step 3: Choose the option that says “convert rewards.”

Step 4: Choose the Capital One transfer partner you want to transfer miles to.

From there, you can facilitate the transfer by entering the number of miles you want to move, keeping in mind that transfers start at 1,000 miles and that you can only increase the miles you’re transferring by 100 miles at a time.

Once you have initiated the transfer, you’ll see your miles leave your Capital One account before they’re moved to your new transfer partner account. Keep in mind that Capital One mile transfers are only one-way, so you can’t undo a transfer once it’s over. With that in mind, you should only transfer your Capital One miles if you are sure you want to.

The bottom line

While Capital One miles transfer partners may not be as attractive as some other programs, there are quite a few options to choose from now. And with many now offering a 1:1 transfer ratio, it’s safe to say that Capital One miles could now be worth more than ever before.

Before you transfer Capital One Miles, however, you should figure out which transfer partner might work best and run a few scenarios to see how many miles you would need. Also, remember that you need to get at least one cent in value for each Capital One mile you transfer to a partner.

If you’re not getting at least one cent per mile in value, you should just charge the travel to your Capital One credit card and use the Capital One Purchase Eraser to cover travel expenses at a rate of one cent each.

The information about the Capital One Spark Miles Select for Business card and U.S. Bank Business Platinum has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
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