Capital One has an evolving list of transfer partners that provide added flexibility to its miles for Venture and Spark cardholders. Here’s everything you need to know about the issuer’s partners and if it is worth it to transfer your miles.
Capital One Travel has climbed the ranks to the top, and now has a reputation that in many ways rivals some of the best rewards programs, such as Chase Ultimate Rewards or American Express Membership Rewards. One reason for the program’s popularity is that it offers the option to redeem rewards by transferring them to one of Capital One’s airline and hotel partners.
Though its partners may not be as well known as the partners for Chase or American Express, Capital One allows cardholders with its premium travel cards, like the Capital One Venture Rewards Credit Card,Capital One Venture X Rewards Credit Card, Capital One Spark Miles for Business and Capital One Spark Miles Select for Business*, to transfer miles to select airline and hotel partners. The list of Capital One transfer partners also changes often, and it’s common for the issuer to add new partners to the mix.
Given the evolving list of Capital One transfer partners and the complexities of transferring rewards between loyalty programs, it may an overview on the program and its partners may be beneficial to both cardholders and those considering applying for a Capital One travel card. Read on to learn more about Capital One’s transfer partners and how you can leverage the high value of partner points or miles to stretch your Capital One miles further.
Capital One hotel transfer partners
Travelers who love the life of luxury may be pleased to learn that Accor Live Limitless, Choice Privileges and Wyndham Rewards are the three Capital One hotel partners. If you’re a loyal fan of any of these hotels, you should familiarize yourself with the transfer ratios beforehand.
Accor Live Limitless
You can transfer Capital One miles to ALL points at a rate of 2:1. For example, this means that 1,000 Capital One miles translate to 500 ALL Reward points. While the ALL program is not particularly well-known, it does include the luxury Fairmont brand, which operates 79 properties in 32 countries.
At that transfer ratio, you may lose some value on your Capital One miles. However, the ALL Rewards program offers fixed-value redemption, with 2,000 points saving you €40 (or approximately $43) on a stay. Given the 2:1 transfer rate, you’d need to redeem 4,000 Capital One miles to get 2,000 ALL points and receive the discount. The good news is that if you redeem your points that way, each point will be worth around 2.15 cents.
While the hotel stay discount will get you the most mileage out of your ALL points, you can also use ALL points for other rewards, like stays at private homes and villas, fmeals at participating restaurants and bars, and for shopping.
The Points Guy values ALL points at 2 cents per point and Bankrate values Capital One miles at a 2-cent average as well. Since the two rewards currencies are worth the same and the transfer rate will give you fewer points than you started with, you should think carefully about the transfer decision.
On the other hand, transferring to Choice Privileges will give you a 1:1 ratio, so you’ll get the same number of hotel points as the number of Capital One miles you decide to transfer over. However, Choice Privileges points are valued at 0.6 cents per point by The Points Guy — which is not the best.
As with ALL Rewards, it might not be worth transferring your miles over to this rewards program unless you’re a Choice Privileges enthusiast.
The transfer rate for Wyndham Rewards is also 1:1, meaning 1,000 Capital One miles equals 1,000 Wyndham Rewards points. The rewards program encompasses a variety of brands, such as Days Inn, Ramada, Wyndham, Wyndham Grand and Hawthorne Suites, a lineup that caters to nearly any type of traveler.
At the same time, Bankrate values Wyndham Rewards points currently at 0.9 cents each, so transferring is less likely to save you money. However, depending on where and when you book, it’s still possible to score big savings.
Capital One airline transfer partners
The transfer ratio is 1:1 for nearly all of Capital One’s airline partners, including top airlines like Aeroplan, Air France-KLM (Flying Blue), British Airways, Emirates Airlines, Singapore Airlines and Turkish Airlines. However, the ratio for EVA Air, one of the largest airlines in Taiwan, is 2:1.5.
Considering the mile values of the partner loyalty programs, you can yield a nice return on your Capital One miles if you transfer them to Emirates Skywards or Singapore Airlines. Those who tend to fly domestically might not not have much use for those airlines. However, if you travel to destinations these international airlines serve, you might be able to stretch your Capital One miles further.
List of more than 15 hotel and airline transfer partners
Here’s a full list of all the airline and hotel loyalty programs to which Venture and Spark Miles for Business cardholders can transfer their rewards.
|Partner||Transfer ratio||Rewards value(cents)**||Value of 2 miles transferred(cents)|
|Accor Live Limitless||2:1||2||4|
|Aeromexico Club Premier||1:1||0.6||1.2|
|Air Canada Aeroplan||1:1||1.2||2.4|
|British Airways Executive Club||1:1||0.7||1.4|
|Cathay Pacific Asia Miles||1:1||3||6|
|EVA Air Infinity MileageLands||2:1.5||1||2|
|Flying Blue (average)||1:1||1.3||2.6|
|Qantas Frequent Flyer||1:1||0.4||0.8|
|Singapore Airlines KrisFlyer||1:1||2.2||4.4|
|TAP Air Portugal Miles&Go||1:1||1.2||2.4|
|Turkish Airlines Miles&Smiles||1:1||0.6||1.2|
|Virgin Atlantic Virgin Red||2.6||5.2|
** The rewards values are average point values provided by Bankrate and The Points Guy.
While Capital One’s transfer partners aren’t as well-known as Amex transfer partners or Chase transfer partners, there’s still ample opportunity for cardholders to take advantage of their accumulated miles to book vacations all over the world. With hotel transfer partners like Wyndham and airline partners like Aeroplan and Flying Blue, Capital One miles can be used to their fullest, especially if you have a plan for how to maximize your rewards.
*Information about the Capital One Spark Miles Select for Business has been collected independently by CreditCards.com. The issuer did not provide the details, nor is it responsible for their accuracy.