Capital One has been in the miles game for a long time. Although the Capital One Venture Credit Card used to not carry much weight, it has been improving over the past few years.

Previously, you could only use the Capital One Venture Card as a travel eraser card. This means you would book travel and use your miles as statement credits to “erase” the cost of the trip. This fixed the value of the points, so you were always getting a consistent value. What this also translated to is the inability to get any extra value from your miles.

Over the past few years, as other issuers have been erasing benefits from their cards, Capital One has taken advantage of the market and has added more value to the Venture card. By adding the ability to transfer miles to travel partners, the value of Venture miles improved.

Capital One hasn’t stopped there, as they’ve recently announced some new transfer partners and updated the transfer rates with some of their existing travel partners. Let’s take a look at all of the Capital One transfer partners along with the transfer ratios.

Capital One Transfer Partners

Previously, Capital One had a few airline and hotel programs that you could transfer miles to. Recently, Capital One added some new transfer partners to the game and changed the transfer ratio for some existing partners.

Historically, all Capital One transfer partners were 2:1.5. This meant for every two Capital One miles you transferred, you’d receive 1.5 points with the transfer partner. Now, transfers with most partners are 1:1.


You can transfer your Capital One miles to the following partners 2:1, meaning for every two Capital One miles you transfer, you’ll earn one point with the travel partner.

  • ALL Accor Live Limitless

The following transfer 2:1.5

  • EVA Air Infinity MileageLands

Finally, the transfer partners where you’ll get a coveted 1:1 transfer ratio:

  • Aeromexico Club premier
  • Air Canada Aeroplan
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • Choice Privileges
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Qantas Frequent Flyer
  • Singapore KrisFlyer
  • TAP Air Portugal Miles&Go
  • Turkish Airlines Miles&Smiles
  • Wyndham Rewards

Why Capital One’s Transfer Rates Are A Bit Misleading

You may be looking at this and wondering why you would ever transfer your Capital One miles to a partner with a 2:1 or 2:1.5 transfer ratio. Most other major bank points usually transfer at 1:1.

However, what you should consider is that the Capital One Venture Card earns an unlimited two miles for every dollar spent on every purchase. So the 2:1 transfer ratio really earns you the same amount of points as a card that earns one point for every dollar spent in those loyalty programs.

Of course, many other cards offer the opportunity to earn extra points in certain categories. You’ll find many cards offering 3X points on travel, or 4X points on groceries. These bonus categories will certainly lead to a more favorable transfer rate for every dollar spent. However, the base rate on most of these is 1X point on all other categories. When they transfer at 1:1, that’s really the same transfer rate as the Capital One Venture Card gets on its 2:1 transfer partners.

Best Capital One Transfer Partners

When deciding where to transfer your Capital One miles, there are a few partners that are better than the others.

Emirates Airline


Emirates Skywards

The Emirates Skywards program is a good option to transfer your Capital One miles to.

For starters, Emirates’ own Skywards program has become one of the best ways to book Emirates first-class flights. You can no longer book Emirates first class with Alaska miles, and Japan Airlines has high surcharges and are difficult to get.

Emirates miles are very easy to acquire. You can transfer points from Capital One, Chase Ultimate Rewards, American Express Membership Rewards and Citi ThankYou Rewards.

Singapore Airlines

Singapore Airlines

Singapore KrisFlyer

There are a lot of similarities between Emirates Skywards and Singapore KrisFlyer.  You can only book premium cabins on Singapore with their own points (although, to be fair, you can book Emirates first class with other points; it is just more difficult and generally not worth it).

Singapore has some great sweet spots. You can fly economy to Europe one-way for only 22,500 points from the East Coast and Houston. Another great option is to fly from the continental U.S. to Hawaii for only 17,500 points one-way.

Air Canada

Air Canada

Air Canada Aeroplan

Late last year, Air Canada made some major changes to its loyalty program, Aeroplan. Many of these updates were actually quite favorable, in contrast to other award programs often devaluing whenever they make “updates.”

Capital One miles transfer to Air Canada Aeroplan 1:1.

One of my favorite new sweet spots of the revised Aeroplan program is the ability to book Etihad first class from the U.S. to Abu Dhabi for 120,000 points. If you want to book it all the way to Australia, it will only cost 140,000 points. That’s not a lot of points considering how far you’re traveling.

In addition to Capital One miles, you can also transfer Membership Rewards to Aeroplan. Later this year, Chase is expected to also become a transfer partner as well.

Turkish Air Lines

Turkish Airlines

Turkish Airways Miles & Smiles

To many people, the Turkish Airways Miles & Smiles program is considered one of the best transfer partners of Capital One. Capital One miles transfer 1:1 to Turkish Airways.

If Hawaii is on your list, you’ll be hard pressed to do it with fewer points. Turkish is a member of the Star Alliance, so you can book award flights on United. Economy flights cost 10,000 miles in economy and only 15,000 miles in business class. That translates to 15,000 Capital One miles in economy or 22,500 in business class. If you want to fly to Europe, you’ll only need 45,000 Turkish miles.

The only other program that currently transfers to Turkish Airways Miles & Smiles is Citi ThankYou Rewards. The ability to transfer Capital One miles to Turkish, even at a 2:1.5 ratio, is a great opportunity.

avianca - capital one transfer partners


Avianca LifeMiles

Avianca is another Star Alliance member with a rather generous award chart. Considering your Capital One miles will transfer 1:1, you can get some great value from Lifemiles.

Flights from the U.S. to the Caribbean cost 12,500 Lifemiles in economy. You can fly to Asia for 75,000 miles in business class, or South America for 35,000 miles.

One really nice benefit of LifeMiles is that you can add in positioning flights to lower your total cost. If you’re flying from, say, Dallas (DFW) to San Francisco (SFO) in economy, and then San Francisco to Hong Kong (HKG) in business class, you’ll actually pay less miles because of the economy flight.

In addition to your Capital One miles, you could transfer Membership Rewards or Citi ThankYou points. Capital One adds another avenue to get you the points you need in Avianca’s program.

etihad - capital one transfer partners


Etihad Guest

Etihad Guest isn’t part of any alliance, but is a program you should certainly familiarize yourself with, especially with the ability to transfer Capital One miles to Etihad Guest 1:1.

Although Etihad isn’t part of an alliance, they do have their own individual partner airlines including American Airlines. You can book an American Airlines flight to Europe in business class for only 50,000 Etihad Guest miles. If you find first class availability, it can be booked for 62,500 miles in first class. These same prices apply to fly to Japan, Korea or Mongolia.

In addition to Capital One, you can transfer Membership Rewards or Citi ThankYou Rewards to Etihad Guest. If you have accrued a large number of Capital One miles, keep Etihad in mind before your next European getaway.

Margaritaville Vacation Club by Wyndham - St. Thomas VI

Margaritaville Vacation Club by Wyndham - St. Thomas VI | Photo Credit from Wyndham

Wyndham Rewards

We’ve listed a lot of airline programs, but now it is time for a hotel program. Enter Wyndham Rewards. Wyndham Rewards is an often overlooked hotel program, as there used to not be any transfer partner. Since Capital One is a transfer partner of Wyndham Rewards, you can now easily utilize the Wyndham program.

Wyndham Rewards only has three hotel categories. You’ll pay either 7,500, 15,000 or 30,000 points for a reward night. Additionally, Wyndham partners with Vacasa and giving you more ways to redeem your Wyndham Rewards points.

Capital One transfers to Wyndham 1:1, and is the only program that transfers to Wyndham Rewards.

Ignore These Capital One Transfer Partners

Despite having more than enough great transfer partners, there are a few Capital One transfer partners that you really shouldn’t pay much attention to. Keep in mind, there are some average transfer partners not listed, this is just sharing the ones that really aren’t that useful.

ALL Accor Live Limitless

ALL Accor Live Limitless doesn’t have an award chart. Instead, the price of your award night is based on the cash price. Live Limitless points are worth approximately 2.2 cents each. You’ll transfer two Capital One miles to earn one Live Limitless point.

Granted, Capital One miles are worth a fixed value of one cent each, so you are getting 2.2 cents in exchange for two, but you’d likely be better off looking at another hotel program. If you are trying to redeem points for an Accor hotel, it can make sense, but otherwise you can mostly ignore this program.

Eva Infinity MileageLands

Eva is part of the Star Alliance. There are already plenty of great Star Alliance partners of Capital One that will require less miles than Eva. Economy flights from the U.S. to Asia start at 50,000 miles. The high award rates make Eva mostly a program you can ignore.

The only value of Eva’s award program is generous routing rules. If you book a round-trip ticket you can include two stopovers: one on the outbound flight and one on the return. Unless you’re planning to take advantage of the stopover rules, you can ignore Eva Infinity MileageLands.

FinnAir Plus

FinnAir Plus charges astoundingly high rates for award tickets. Economy flights from Europe to North America on their own flights cost 90,000 miles round-trip. Compare that to American which charges only 60,000 AAdvantage miles for the same flights and it is quick to see why there’s really no value to be had using FinnAir Plus.

Cards To Earn More Capital One Miles

If you’re looking to earn more Capital One miles, there are quite a few good card options. For most people, the Capital One Venture Card is the go-to card to earn Capital One miles. There’s also Capital One business cards, like the Capital One Spark Miles for Business card.

A unique way to earn more Capital One miles is with the Capital One Savor Cash Rewards Credit Card or the Capital One SavorOne Cash Rewards Credit Card.

Although these cards technically earn cash back, if you also have a Venture card you can transfer your cash back to your Venture card and convert them into miles. The Capital One Savor card earns unlimited 4% cash back on dining, entertainment and on popular streaming services. You’ll earn 3% on purchases at grocery stores, and 1% on all other purchases.

The Capital One SavorOne card earns 3% cashback on dining, entertainment, popular streaming services and on purchases at grocery stores. All other purchases earn 1% cash back.

Capital One Application Rules

Capital One has some of the strictest application rules among banks. For starters, Capital One will only approve you for two personal cards at a time. If you already have two open you won’t be approved for any more Capital One cards.

Additionally, Capital One pulls your credit report from all three credit bureaus and you can only open one Capital One card every six months. Thankfully, Capital One often has generous bonuses, so you should be able to get quite a few points even when opening a card every six months.

Final Thoughts

Capital One transfer partners really should be a big consideration in how you use your Capital One miles. While some partners offer some great opportunities, there are a few other partners that you can ignore altogether except for niche situations.

Capital One has really stepped up the value of their miles over the past few years, and I’m excited to see where they keep taking things in the future!