How to transfer Capital One miles to airline partners

Oct 28, 2019

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Capital One added airline transfer partners in 2018, giving card holders 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 $5,000 on purchases in the first three months. If you can hit an additional $45,000 spend in the first six months of card ownership for a total spend of $50,000, you’ll earn an insane 150,000 additional miles.

While $50,000 is a lot to spend for the average person, it’s not for many small businesses, as the breakdown is just over $8,000 per month. If this promotion makes sense for your business, now is a great time to apply.

Once you’ve earned those miles, here’s a step-by-step guide to getting those miles in your airline accounts.

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, and the pop-up screen doesn’t ask for additional confirmation before you hit that all-important “Complete Transfer” button: 

Transfers are irreversible as soon as they’re complete, so be super, super careful to adjust that number to the exact number of 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, which 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 amount 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

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 transfer ratio)

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

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

 Hainan Fortune Wings Club
(2:1.5 transfer ratio)

36-hour turnaround

Qantas Frequent Flyer
(2:1.5 transfer ratio)

24-hour turnaround

Qatar Airways Privilege Club
(2:1.5 transfer ratio)

24-hour turnaround

Singapore Airlines KrisFlyer
(2:1 transfer ratio)

36-hour turnaround

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 expert 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 check out the following posts for more details:

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.

Capital One® Spark® Miles for Business

LIMITED TIME OFFER: Earn up to 200,000 bonus miles with this business card, plus 5x miles on hotels and car rental booking through Capital One Travel, and 2x miles on all other purchases.

Apply Now
More Things to Know
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro APR on Purchases
N/A
Regular APR
18.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Balance Transfer Fee
N/A
Recommended Credit
Excellent, Good

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.

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