Capital One credit cards that provide transferable miles

While many think of Capital One for its fixed-value rewards, which let you redeem points for statement credits or travel purchases, there’s an alternative way to utilize your miles that can yield greater benefits.

Recently, Capital One miles have expanded their transfer partners and enhanced transfer ratios, establishing them as a valuable transferable rewards currency.

Discover the credit cards that earn transferable Capital One miles, along with the current transfer partners and some suggestions for using your miles.

Capital One's transfer partners

Before diving into Capital One cards that offer transferable miles, let's examine the available transfer partners and their corresponding transfer ratios:

Curious about the duration of these transfers? Check out this guide: How long do Capital One miles transfers take? If you’d like to explore one of the programs listed above, simply click on its name.

Top ways to use Capital One miles

If your preferred airline or hotel program isn't on the previous list, does that mean accumulating Capital One miles isn’t worthwhile? Not at all.

Look at the cost for a Lufthansa first-class flight booked with LifeMiles. You’ll spend 120,000 miles along with $174.60 for this opulent journey from Frankfurt to Los Angeles.

If you choose to use United miles, it will cost you 165,000 miles plus $152.40 — an increase of 45,000 miles compared to LifeMiles.

Dreaming of a round-the-world ticket? You can utilize Capital One miles to arrange your trip with Cathay Pacific (for Oneworld Airlines) and Aeromexico (for SkyTeam Airlines). I spent 185,000 Asia Miles for a business-class route that left Los Angeles, making stops in South Korea, Vietnam, Pakistan, Iran, and Israel before heading back home.

Don't overlook Flying Blue Promo Rewards. These are discounted award redemptions available on Air France and KLM, updated monthly, providing exceptional value for both intra-Europe and long-haul flights.

In the end, the specific airline you wish to fly with is less critical than the method of booking that flight; earning Capital One's transferable miles is beneficial even if your desired airline isn't a transfer partner.

Capital One personal credit cards that generate transferable miles

The following credit cards are capable of earning Capital One transferable miles:

It’s evident that the method (and speed) of earning miles differs by card. Additionally, you can accumulate even more miles by converting rewards from Capital One cash-back cards into miles.

Capital One business credit cards that generate transferable miles

Capital One also offers small-business credit cards that earn transferable miles. Take a look at the following options:

The information regarding the Spark Miles Select has been gathered independently by Dinogo. The details on this page have not been reviewed or provided by the card issuer.

Miles from your business card can be transferred to the same partners mentioned previously. Both personal and business credit cards from Capital One utilize the same partners for transferable miles.

Conclusion

According to TPG's August 2024 valuations, Capital One miles are valued at 1.85 cents each, owing to its diverse transfer partners and the value they offer. You can utilize these miles across various hotel and airline programs, even taking advantage of airline partnerships to book flights with airlines that aren’t Capital One transfer partners. Several Capital One credit cards offer transferable miles, with differing earning rates, benefits, and welcome bonuses, so review the list above to find the best fit for you.

For Capital One products mentioned on this page, some benefits may be offered by Visa® or Mastercard® and can vary by product. Refer to the respective Guide to Benefits for further details, as terms and exclusions may apply.