How long do Capital One miles take to transfer?
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In 2018, Capital One announced big changes by offering cardholders the option to transfer their miles to travel partners. This announcement had the pleasant effect of catapulting TPG’s valuations for Capital One Rewards miles from 1 cent to 1.4 cents apiece due to the newfound ability to use Capital One miles toward booking award travel of outsized value.
Since then, Capital One has continued to add value to its rewards program by periodically refreshing travel partners and improving transfer rates. Wyndham and Accor were added as Capital One transfer partners on Feb. 3, 2020.
Capital One miles still hold tremendous value, so let’s take a closer look at some things you should know about transferring Capital One miles, including how long they take to transfer.
Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
How long Capital One miles take to transfer
Besides the transfer ratio, one important aspect to consider when transferring your Capital One miles to airline and hotel partners is “How quickly can you expect to see your Capital One miles in your loyalty program account?”
To answer this question, TPG decided to run some tests. For each of the program’s 15 transfer partners, TPG staffers transferred 1,000 miles from our Capital One accounts to see how long it would take for them to show up in our loyalty program accounts.
Here’s what we found:
|Program||Transfer time||Transfer ratio|
|Aeromexico Club Premier||Instant||2:1.5 (1,000 Capital One miles = 750 Premier Points)|
|Air Canada Aeroplan||Instant||2:1.5 (1,000 miles = 750 Aeroplan Miles)|
|Air France-KLM Flying Blue||Instant||2:1.5 (1,000 miles = 750 Flying Blue Miles)|
|Alitalia MilleMiglia||Instant||2:1.5 (1,000 miles = 750 MilleMiglia miles)|
|Avianca LifeMiles||Instant||2:1.5 (1,000 miles = 750 LifeMiles)|
|ALL Accor Live Limitless||1 business day||2:1 (1,000 miles = 500 ALL Rewards points)|
|Cathay Pacific Asia Miles||5 business days||2:1.5 (1,000 miles = 750 Asia Miles)|
|Emirates Skywards||Instant||2:1 (1,000 miles = 500 Skywards Miles)|
|Etihad Guest||24-hour turnaround||2:1.5 (1,000 miles = 750 Etihad Guest Miles)|
|EVA Infinity MileageLands||36-hour turnaround||2:1.5 (1,000 miles = 750 Infinity MileageLands Miles)|
|Finnair Plus||Instant||2:1.5 (1,000 miles = 750 Finnair Plus Award Points)|
|JetBlue TrueBlue||Instant||2:1.5 (1,000 miles = 750 TrueBlue points)|
|Qantas Frequent Flyer||24-hour turnaround||2:1.5 (1,000 miles = 750 Qantas Points)|
|Singapore Airlines KrisFlyer||36-hour turnaround||2:1 (1,000 miles = 500 KrisFlyer miles)|
|Wyndham Rewards||Instant||2:1.5 (1,000 miles = 750 Wyndham Rewards Points)|
In Accor’s case, a transfer by TPG’s Zach Griff on Feb. 4 didn’t appear until Feb 14. But, I made my own points transfer on Feb. 12 and the points showed up in my account a day later. I suspect that Zach’s long delay was simply an outlier and one business day is more common.
Note that the times listed above represent my personal experience and shouldn’t be taken as hard and fast rules. Your transfer experience may be faster or slower, but these times can serve as guidelines for planning your own trip.
Related reading: How to maximize Capital One miles
Tips for transferring Capital One miles
Unfortunately, Capital One doesn’t store your frequent flyer number for any of its transfer partners. So, you’ll have to pull up your account info each time you transfer points to an airline. This is just a slight inconvenience. But, for those of us used to the Chase Ultimate Rewards portal, which saves that information, it’s still an extra step to take.
If you do find yourself in a scenario where you’re scrambling for some last-minute points to top up your account, here are a few tips.
Put your award reservation on hold before transferring
Not all airline programs allow you to do this, but it’s worth checking whether you can put your award reservation on hold before transferring Capital One miles. This is especially useful if you’re transferring to a program that doesn’t offer instant transfers. After all, it’s frustrating to transfer points only to find that another traveler has scooped up the award space you wanted.
Determine the best options for transferring
Regardless of your destination and alliance of choice, there are several options for redeeming your Capital One miles. For example, if you are looking to redeem Capital One miles for domestic flights, you may want to consider Singapore KrisFlyer or Avianca LifeMiles.
Likewise, there are ample opportunities to redeem Capital One miles on Star Alliance airlines, redeem Capital One miles on Oneworld airlines and redeem Capital One miles on SkyTeam airlines. Be sure to determine the best redemption rate before transferring your miles to a specific program.
Related reading: Best ways to maximize Capital One miles
Choose flights that have ample award seats available
If you can’t put an award ticket on hold, ample award availability improves the odds that you’ll be able to book a seat when your miles hit your account. Use tools like ExpertFlyer to find how many award seats are available on a flight. You can also search for three or four passengers — that way, you can determine roughly how many seats are available for award tickets.
Related reading: Beginner’s guide to award searches on ExpertFlyer
Select uncommon routes
You can improve your chances of finding an award ticket by flying routes that are less popular or originate from non-hubs. Those often have better award availability.
Let availability determine your destination
If you have some flexibility and your original itinerary is no longer an option because availability has changed, one solution is to choose your destination based on which awards are still bookable. Also, keep in mind that award availability changes frequently and can increase (or decrease) as you get closer to your departure date. Check regularly and be ready to act quickly when seats you want open up.
Which cards earn Capital One miles?
Only some Capital One credit cards earn transferable Capital One miles. Out of the currently available Capital One cards, two consumer travel rewards credit cards and two business credit cards earn Capital One miles. Here’s a quick overview of these four cards:
- Current bonus: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months.
- Benefits: 2x miles per dollar on purchases, Global Entry/TSA PreCheck application fee credit (up to $100) every four years, no foreign transaction fees, extended warranty protection
- Annual fee: $95
Related reading: Capital One Venture Rewards credit card review
- Current bonus: Earn 20,000 bonus miles after you spend $500 on purchases within the first three months of account opening
- Benefits: 1.25x miles per dollar on all purchases and no foreign transaction fees
- Annual fee: $0
- Current bonus: Earn a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first three months of account opening
- Benefits: 2x miles on all purchases, Global Entry/TSA PreCheck application fee credit (up to $100) every four years, no foreign transaction fees, free employee cards
- Annual fee: $0 for the first year, then $95
- Current bonus: Earn a one-time bonus of 20,000 miles after you spend $3,000 on purchases within the first three months of account opening
- Benefits: 1.5x miles on all purchases, no foreign transaction fees, free employee cards
- Annual fee: $0
The information for the Capital One Spark Miles Select for Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Can you transfer Capital One miles to someone else’s account?
You can only transfer Capital One miles to a loyalty program registered to the same name as the Capital One account. There’s also good news: you can easily transfer Capital One miles from one Capital One account to another.
Log in to your account, click on “view rewards” and click on “use my miles” under “share rewards.” You can transfer Capital One miles from your account to either another one of your Capital One accounts or someone else’s Capital One account. Although Capital One eventually plans to make transfers to someone else’s account available online, you’ll currently need to call the number on the back of your card to do so.
Related reading: Ultimate guide to points pooling and sharing
Is there a fee for transferring Capital One miles?
There is no fee involved when you transfer Capital One miles to an airline or hotel travel partner. Nor is there a fee to transfer Capital One miles from one Capital One account to another.
Related reading: What happens to your points and miles after you die?
The good news is that nine Capital One hotel and airline transfer partners have instant transfer times in our tests. The bad news is that not all partners have instant transfer times and one partner takes up to five business days. So, you’ll want to put your award ticket on hold if you can and consider focusing on transfer partners that usually transfer quickly or for which there is ample award availability.
Additional reporting by Katie Genter.
Featured photo by pixdeluxe/Getty.
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