How to transfer Capital One miles to airline partners

Jul 14, 2020

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Editor’s note: This is a recurring post, regularly updated with new information.

Capital One added airline transfer partners in 2018, giving cardholders the ability to transfer miles to a total of 15 respective loyalty programs — a perk that launched just around this time last year. Upping the ante in 2019, Capital One also re-introduced one of the biggest sign-up bonuses in the points and miles world for the Capital One® Spark® Miles for Business.

If you sign up for a Spark Miles card right now, you’ll earn an initial 50,000 miles after you spend $4,500 on purchases in the first three months. Those miles are worth $500 in travel credits, or you can transfer them to Capital One’s partners.

The information for the Capital One Spark Miles 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.

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Transferring Capital One miles to airline partners

The Capital One Rewards Miles portal can be accessed directly from the main banking summary page. Just click on the little link under your rewards miles total:

Capital One currently has 15 total airline partnerships, and Air France-KLM is the featured partner at the time of writing. The link to “Transfer Miles” is toward the right of the page. Clicking on it pops up a window which requires your associated airline membership number to proceed:

Caution: The next step can be a risky one, because Capital One defaults to transferring all of your available miles to the airline partner of your choice. The pop-up screen doesn’t ask for additional confirmation before you hit that all-important “Complete Transfer” button:

Things to know before you transfer Capital One points

Transfers are irreversible as soon as they’re complete, so be super careful to adjust that number to the exact miles you want to transfer. I triple-checked each transfer I made because, in my natural habitat, I am exactly the sort of careless person who would accidentally hit “Complete Transfer” before double-checking. I really hope Capital One updates this functionality because it’s an easy oversight for anyone unfamiliar with the portal.

Note that the minimum number of miles you can transfer is 1,000, but from there you can increase the amount in increments of 100. This is a very nice feature that differs from other transferable point currencies (e.g. Chase Ultimate Rewards transfers must be in increments of 1,000 points). This can be especially useful if you just need to top off your account, though be sure to pay attention to the transfer ratios.

Capital One transfers for most partners are at a 2:1.5 ratio, so 10,000 Capital One miles will not get you 10,000 airline miles. Fortunately, the above confirmation screen will explicitly tell you how many miles you’ll receive in exchange for the designated number of Capital One miles.

Once the transfer is complete, you’ll see a “Success!” pop-up that includes a confirmation code you can save and/or print. That’s helpful, especially since seven of the partner airlines did not offer instant transfer capability

Related: The best Capital One credit cards of 2020

Capital One transfer times

In my personal experience, the following airlines received my mileage transfer immediately, although your transfer experience may be faster or slower. Overall, however, these times can serve as guidelines for when you plan your own trip. If you don’t see the miles in your loyalty program account, try logging out and logging back in. This worked for me for a couple of airlines that did not immediately show my updated mileage.

Program Transfer time

Aeromexico Club Premier
(2:1.5 transfer ratio)

Instant

Air Canada Aeroplan
(2:1.5 transfer ratio)

Instant

Air France-KLM Flying Blue
(2:1.5 transfer ratio)

Instant

Alitalia MilleMiglia
(2:1.5 transfer ratio)

Instant

Avianca LifeMiles
(2:1.5 transfer ratio)

Instant; also received immediate confirmation email from the airline

Emirates Skywards
(2:1 transfer ratio)

Instant

Finnair Plus
(2:1.5 transfer ratio)

Instant

JetBlue TrueBlue
(2:1.5 transfer ratio)

Instant

Wyndham Rewards (2:1.5)

Instant

 

Based on my personal experience, the following airlines do not offer instant transfers. I’m still waiting on one mileage deposit as of the time of publication, and will update this post as they roll in:

Program Transfer Time

Accor Live Limitless (2:1 transfer ratio)

48-72 hours*

Cathay Pacific Asia Miles
(2:1.5 transfer ratio)

Five business days

Etihad Guest
(2:1.5 transfer ratio)

24-hour turnaround

EVA Infinity MileageLands
(2:1.5 transfer ratio)

36-hour turnaround

Qantas Frequent Flyer
(2:1.5 transfer ratio)

24-hour turnaround

Singapore Airlines KrisFlyer
(2:1 transfer ratio)

36-hour turnaround

* Transfer times may vary. Some TPG staff have reported transfer times of up to two weeks for Accor.

Of course, just because you can transfer Capital One miles to airline partners does not necessarily mean that you should. If you’re not certain which option gets you the better value, TPG contributor Jason Steele compared the pros and cons of sticking with statement credits versus transferring to airline partners.

Transferring to partners can unlock a variety of valuable redemptions through the above airlines, so be sure to take that into consideration.

Related: Step-by-step: How to complete a Capital One business credit card application

Bottom line

The ability to transfer Capital One miles from cards like the Capital One® Venture® Rewards Credit Card was a terrific enhancement to an already solid card. In fact, this change alone resulted in a 40% jump in the currency’s value in TPG’s monthly valuations. You can start taking advantage of some incredible redemptions, though be sure to carefully input how many Capital One miles you want to transfer or else you could inadvertently send your entire balance to a partner.

Featured photo by Wyatt Smith/The Points Guy.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.