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Capital One Miles Program Review – Earning, Redeeming, and Transfer Partners

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Andrew Kunesh
Updated: 
Edited by: Jessica Merritt
& Juan Ruiz
Capital One Miles Program Review – Earning, Redeeming, and Transfer Partners
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In 2018, Capital One joined the transferable points game by adding transfer partners to its Capital One Venture and Spark Miles card lines. This added more value to an impressive existing lineup of credit cards and instantly made the mileage currency one that every travel enthusiast should consider.

Over the years, we’ve seen Capital One beef up the transfer partner list. The company has 20+ airline and hotel transfer partners and most all of its transfer ratios are a favorable 1:1.

This move cemented Capital One’s place in the transferable points space and showed that the bank is continuing to work on enhancing its customers’ Capital One Miles experience.

But is earning Capital One miles right for you? And more importantly, are Capital One miles any good? Here’s a full review of Capital One Miles, Capital One’s transfer partners, and the cards that earn Capital One miles.

What Are Capital One Miles?

Capital One miles are the mileage currency earned by a handful of Capital One credit cards, both personal and business.

You must have an eligible Capital One credit card to earn these miles, and there is no way to acquire them without one of these cards. You can earn Capital One miles via spending and most Capital One credit cards earn more than 1 point per dollar spent on all purchases, in addition to other fantastic benefits.

The actual number of miles you’ll earn per dollar spent varies from card to card. Don’t worry — we’ll run through how many miles each Capital One Miles credit card earns in the next section of this article. Just note that some Capital One cards earn up to 10x Capital One miles per dollar spent in specific spending categories!

You can redeem your Capital One miles in various ways, but we think transferring them to travel partners is the best. This is because you’ll get the most value for your miles and be able to book awards such as ANA first class, Singapore first class, and even tickets in Singapore Suites!

Capital One Miles Credit Cards

You can earn Capital One miles with various Capital One-issued personal and business credit cards.

Here’s a quick look at all of the credit cards that earn Capital One miles:

Capital One Venture X Rewards Credit Card

LIMITED-TIME OFFER
Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
Capital One Venture X Rewards Credit Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Apply Now(at Capital One's secure site)
Capital One Venture X Rewards Credit Card
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening - equal to $1,000 in travel.
100,000 miles
$1,800
$395
Purchases: 19.99% - 28.99% (Variable)
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent (740-840)
Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons
Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Read Full Review
Card Highlights
  • LIMITED-TIME OFFER: Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening - equal to $1,000 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: Purchases: 19.99% - 28.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card is Capital One’s ultra-premium travel rewards credit card. It earns 10x miles on hotels and rental cars purchased through Capital One Travel, 5x miles on flights and vacation rentals purchased through Capital One Travel, and 2x miles on all other purchases.

This card offers some exceptional perks, including a $300 annual travel credit on bookings made through Capital One Travel, a 10,000-mile bonus on each account anniversary year, airport lounge access, including a complimentary Priority Pass Select membership, access to the coveted Capital One Lounges, and up to a $120 Global Entry or TSA PreCheck credit.

Take note of the complimentary Hertz President’s Circle status*, primary car rental coverage, cell phone insurance, travel insurance, and no foreign transaction fees, too (rates & fees).

Capital One Venture X Business Card

The Capital One Venture X Business card is a heavy-hitter. This card earns 10x miles on hotels and rental cars booked through Capital One Business Travel, 5x miles on flights and vacation rentals booked through Capital One Business Travel, and 2x miles on all other purchases.

Similar to its non-business counterpart, the Capital One Venture X card, the Capital One Venture X Business card offers up to a $120 credit for Global Entry or TSA PreCheck. You’ll also receive 10,000 bonus miles (equal to $100 toward travel) every year, starting on your first anniversary.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
Capital One Venture Rewards Credit Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)
Capital One Venture Rewards Credit Card
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
Purchases: 19.99% - 28.99% (Variable)
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent Credit (670-850)
Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons
Pros
  • 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Up to a $120 Global Entry or TSA PreCheck application fee credit
Cons
  • $95 annual fee
  • Limited elite benefits
Read Full Review
Card Highlights
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: Purchases: 19.99% - 28.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture card is Capital One’s classic travel rewards credit card. It offers 2x miles per dollar on all purchases. It also earns 5x miles per dollar spent on hotels, vacation rentals, and rental cars booked through Capital One Travel.

This makes the card an easy go-to for many travelers — you don’t have to worry about using a specific card for bonus miles in a specific purchase category. Instead, you’ll earn 2x miles per dollar across the board, making it easy to rack up miles.

The card has some other neat benefits, too. Namely, it offers up to a $120 statement credit that you can use towards your TSA PreCheck or Global Entry application fee. Simply charge the fee to your Capital One Venture card, and you’ll see the application fee refunded as a statement credit when your statement closes.

Further, the card has no foreign transaction fees (rates & fees). This means you can make purchases abroad or pay for purchases in a foreign currency without being penalized. Some cards charge up to 3% per foreign transaction, so a $100 purchase quickly becomes a $103.

You can also access secondary car rental insurance with this card

Capital One VentureOne Rewards Credit Card

LIMITED TIME OFFER
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel.
$100 travel credit + 20,000 miles
$460
$0
Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent (670-850)
Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons
Pros
  • No annual fee
  • No foreign transaction fees
  • Ability to use transfer partners
Cons
  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
Read Full Review
Card Highlights
  • LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies
Financial Snapshot
  • APR: Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One VentureOne cardInformation collected independently. Not reviewed by Capital One. is the Capital One Venture card’s little brother. The card has no annual fee but earns fewer miles and has fewer benefits.

Instead of earning 2x miles on all purchases, the Capital One VentureOne card earns 1.25x miles per dollar. It even earns 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel!

This isn’t the best no-annual-fee card we’ve seen — the Chase Freedom Unlimited® earns 1.5% cash-back on all purchases — but it’s still better than a standard 1 point per dollar spent.

The card does not have foreign transaction fees. Because of this transfer ability, the Capital One VentureOne card is still worth a look for travelers who don’t want to deal with fees.

Capital One Spark Miles for Business

Capital One Spark Miles for Business
Capital One Spark Miles for Business
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Spark Miles for Business
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
24.99% (Variable)
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent (670-850)
Why We Like This Card

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros & Cons
Pros
  • Unlimited 2x miles per dollar spent on all purchases
  • 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One’s travel booking site
  • Up to a $120 Global Entry or TSA PreCheck credit
Cons
    • Annual fee: $0 intro for the first year, $95 after that
Read Full Review
Card Highlights
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from 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
  • Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One’s travel booking site
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles per dollar from their purchases
Financial Snapshot
  • APR: 24.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

On the other hand, we have the Capital One Spark Miles cardInformation collected independently. Not reviewed by Capital One.. This card is similar to the personal Capital One Venture card, but it has business-specific benefits that make it useful for businesses of all types and sizes. Unlike the popular Capital One Spark Cash Plus Card*, it earns Capital One miles instead of cash-back.

Like the Capital One Venture card, businesses can earn 2x miles per dollar spent on all purchases and 5x miles on hotel bookings, vacation rentals, and car rentals booked through Capital One’s travel booking site portal. Just note that these hotel stays may not be eligible to earn hotel points or use elite status benefits (if you have them).

Further, there’s an included TSA PreCheck or Global Entry credit for the primary cardholder. As you’d expect, the Capital One Spark Miles card also has no foreign transaction fees, making it great for businesses that pay international invoices with a credit card.

There are some business-specific benefits that Capital One adds to all of its Spark business credit cards. These include easily exporting purchase records, generating year-end spending summaries, and requesting free employee cards with set spending limits. You can also elect account managers on your team to make payments, manage statements, and more.

Hot Tip: If you’re a business owner, familiarize yourself with this business-specific points and miles guide.

Capital One Spark Miles Select for Business

Capital One Spark Miles Select for Business
Capital One Spark Miles Select for Business
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles Select card is an excellent option for business owners looking for a card with straightforward earning, access to Capital One transfer partners, and no annual fee.

Capital One Spark Miles Select for Business
The Capital One Spark Miles Select card is an excellent option for business owners looking for a card with straightforward earning, access to Capital One transfer partners, and no annual fee.
Earn a welcome bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0
17.24% - 23.24% Variable,
Why We Like This Card

The Capital One Spark Miles Select card is an excellent option for business owners looking for a card with straightforward earning, access to Capital One transfer partners, and a $0 annual fee.

Pros & Cons
Pros
  • 5x miles on hotels and rental cars purchased through Capital One Travel
  • 1.5x miles on all other purchases
  • $0 annual fee
Cons
  • No bonus categories
  • No premium perks
Read Full Review
Card Highlights
  • Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
  • Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel.
  • Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
  • We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
Financial Snapshot
  • APR: 17.24% - 23.24% Variable,
  • Foreign Transaction Fees: 
Rewards Center

Capital One Miles

The Capital One Spark Miles Select cardInformation collected independently. Not reviewed by Capital One. is the no-annual-fee version of the Capital One Spark Miles card. This card earns fewer miles and has fewer benefits, but may be worthwhile for businesses that don’t want to lock up cash in credit card annual fees.

The card earns 1.5x miles per dollar spent on all purchases and has no foreign transaction fees. You’ll also earn 5x miles per dollar spent on rental cars and hotel rooms booked through Capital One’s travel booking site, making it easy to earn some bonus miles on employee travel booked through the portal.

Earning Bonus Capital One Miles With Capital One Travel

Hertz Gold Star Presidents Circle car SUV Boston Airport
Rent cars through the Capital One Travel portal, and you’ll earn 5x Capital One miles with select Capital One credit cards. Image Credit: Chris Hassan

Beyond making purchases with your Capital One credit card, there aren’t many ways to earn bonus Capital One miles.

However, there is an exception to this: booking flights, rental cars, and hotel rooms with select cards through Capital One Travel, Capital One’s in-house online travel agency (OTA).

If you have a Capital One Venture card, Capital One VentureOne card, Capital One Spark Miles card, or a Capital One Spark Miles Select card, you’ll earn 5x Capital One miles per dollar when you book rental cars, vacation rentals, or hotels through the portal.

This can be especially lucrative for businesses that regularly charge client-reimbursable travel expenses to their business credit card.

If you have a Capital One Venture X card or the Capital One Venture X Business card, this number goes up to 10x miles per dollar for rental cars and 5x miles per dollar on flights and vacation rentals.

These bonus categories can help you rack up some serious bonus miles if you have lots of paid travel expenses.

A $500 hotel stay could earn a whopping 5,000 Capital One miles. We recently valued Capital One miles at 1.8 cents per point, meaning that this miles haul is worth — at a minimum — a cool $90 for Capital One Venture X cardholders.

Earning Bonus Capital One Miles With Refer a Friend

Capital One Refer A Friend
Image Credit: Capital One

Cardholders of the Capital One Venture X card, Capital One Venture card, and Capital One VentureOne card can earn bonus miles (that vary by card) with a personal referral link through the Refer-A-Friend program. So long as the person who signs up with your link is a new Capital One cardholder, you’ll earn bonus miles for each approved application.

To find your link, sign in to your account or look in the app for the Refer a Friend tile on the account details page.

You will only be eligible for the program if all of your accounts are open and not in default.

Singapore Suites First Class - Suite Seat
You can use your Capital One miles to fly some of the best first-class seats in the sky — including the award-winning Singapore Suites! Image Credit: Alex Miller

Capital One offers a variety of ways for its cardholders to redeem Capital One miles. While we generally recommend transferring miles to transfer partners, there are a few other ways Capital One miles can be redeemed.

To fully review your options, we’ll take you through all of your Capital One miles redemption options below.

Transferring Capital One Miles to Transfer Partners

The most lucrative way to redeem your Capital One miles is by transferring them to one of its numerous transfer partners. The bank’s list of transfer partners includes some of the most well-known airline mileage programs and hotel loyalty programs, and some of its transfer partners are exclusive to Capital One.

The upside to transferring to travel partners instead of using one of Capital One’s other redemption options is that you’re not restricted to a single point value. Rather, the value of your miles depends on what you redeem them for after transferring them.

For example, you can transfer your Capital One miles to Singapore Airlines’ Krisflyer loyalty program and book a ticket in the airline’s world-famous Suites first class product. Doing this will likely give you over 4 cents per point in value.

Most transfers are at a 1:1 ratio, though a couple still fall under the 2:1.5 or 2:1 ratio. An example is Capital One miles transfers to EVA Air Infinity MileageLands at 2:1.5. Transferring 100,000 Capital One miles to EVA Air would yield 75,000 miles. On the other hand, most other transfer partners like Avianca LifeMiles and Emirates Skywards process at a 1:1 ratio.

Here’s a quick look at all of the Capital One Miles transfer partners, along with their transfer rates:

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Capital One Transfer Partner

Minimum Transfer

Transfer Ratio (Capital One > Partner)

Transfer Time

ALL – Accor Live Limitless

1,000

2:1

Up to 36 hours

Aeromexico Rewards

1,000

1:1

Almost Instant

Air Canada Aeroplan

1,000

1:1

Almost Instant

Air France-KLM Flying Blue

1,000

1:1

Almost Instant

Avianca LifeMiles

1,000

1:1

Almost Instant

The British Airways Club

1,000

1:1

Almost Instant

Cathay Pacific Cathay

1,000

1:1

Up to 36 hours

Choice Privileges

1,000

1:1

Up to 24 hours

Emirates Skywards

1,000

1:1

Almost Instant

Etihad Guest

1,000

1:1

Up to 36 hours

EVA Infinity MileageLands

1,000

2:1.5

Up to 36 hours

Finnair Plus

1,000

1:1

Almost Instant

Japan Airlines Mileage Bank

1,000

2:1.5

TBD

JetBlue TrueBlue

1,000

5:3

2 to 5 days

Preferred Hotels & Resorts I Prefer

1,000

1:2

TBD

Qantas Frequent Flyer

1,000

1:1

Up to 36 hours

Qatar Airways Privilege Club

1,000

1:1

TBD

Singapore Airlines KrisFlyer

1,000

1:1

Up to 36 hours

TAP Air Portugal Miles&Go

1,000

1:1

Almost Instant

Turkish Airlines Miles&Smiles

1,000

1:1

Up to 24 hours

Virgin Red

1,000

1:1

Unknown

Wyndham Rewards

1,000

1:1

Almost Instant

Many transfer partners overlap with Chase Ultimate Rewards, Citi ThankYou Rewards, and American Express Membership Rewards. However, some partners, such as Finnair Plus, are exclusive to Capital One Miles, so adding a Capital One card to your wallet could open you up to even more redemptions, even if you have a stash of other points.

Bottom Line: Before you transfer miles, find the ticket you want to book and ensure that award space is available. Doing this will prevent you from locking up your miles without a plan and potentially getting stuck with airline miles or hotel points you can’t use. Keeping your miles as liquid as possible until you redeem them is critical to ensuring you get the best value when redeeming them.

Turn Your Capital One Miles Into Gift Cards

You can redeem your Capital One miles for gift cards to popular merchants such as Applebee’s, AutoZone, and Macy’s. All gift card redemptions are processed at a value of 1 cent per mile, meaning that 50,000 Capital One miles are equal to a $500 gift card to a merchant of your choice.

We don’t recommend redeeming your Capital One miles for gift cards, as you’ll get a lower cent per point value than redeeming them through one of Capital One’s transfer partners.

However, if you don’t have any upcoming travel plans, gift cards are a better use of miles than if you were to redeem for cash-back or through Amazon.

Cover Amazon Purchases With Capital One Miles

Like Chase Ultimate Rewards and American Express Membership Rewards, you can use your Capital One miles to cover Amazon purchases at checkout. Add your Capital One card to your Amazon payment methods, and you can use miles to cover your Amazon purchases.

Remember that you’ll get a low-point valuation if you go this route. Capital One miles can be redeemed at a flat rate of 0.8 cents per mile spent. For reference, the 0.8 cent valuation towards Amazon purchases means 125 Capital One miles gives you $1 off your purchase.

So, with that in mind, stay away from this type of redemption. It may be a convenient way to use your miles to save money on everyday purchases, but you’ll lose tons of value in the process.

Redeem for a Statement Credit or Check

Finally, you can redeem your Capital One miles for cash-back through a statement credit or a check.

However, we don’t necessarily recommend doing this. You’ll get a flat 0.5 cents per point in value when redeeming miles this way. So 50,000 miles would be worth just $250.

With that in mind, we recommend avoiding cashing out your Capital One miles for statement credit or a check. You’re better off redeeming for a gift card or even redeeming miles through Amazon if you want to use your miles to cover everyday expenses.

Hot Tip: When your eligible card is linked to PayPal, you can checkout with PayPal and redeem your miles at a rate of 125 miles to $1. We’d recommend this only if you can’t use your miles for travel or as a statement credit.

Comparing Capital One Miles to Other Transferable Points Programs

As you know, Capital One Miles isn’t the only transferable points currency out there. Here’s a look at how these miles stack up to other transferable points programs like Amex, Chase, and Citi.

Capital One Miles vs. American Express Membership Rewards Points

American Express Membership Rewards is a premier transferable points program. There are more American Express transfer partners than Capital One, and its personal and business cards have more points-earning options.

For example, the American Express® Gold Card earns 4x points per dollar spent at restaurants worldwide (up to $50,000 per calendar year) and U.S. supermarkets (up to $25,000 per calendar year). When you consider that almost all Membership Rewards transfer partners transfer at a 1:1 ratio, many will find that Membership Rewards points are more valuable than Capital One miles.

Further, Capital One and American Express share many of the same transfer partners. There are some exceptions to this rule, though. For example, Amex does not offer ALL – Accor Live Limitless and Turkish Airlines as transfer partners.

On the other hand, many Membership Rewards-earning credit cards have higher annual fees than Capital One cards.

» Related: Amex vs. Capital One Credit Cards – Which Is Best? [2025]

Capital One Miles vs. Chase Ultimate Rewards Points

Like Membership Rewards, Chase’s Ultimate Rewards points currency can be more easily earned than Capital One miles. This is especially true for business owners as the Ink Business Preferred® Credit Card earns 3x points per dollar spent in select business spending categories, including travel, shipping, and online advertising.

Further, Chase Ultimate Rewards points transfer 1:1 to all of its Chase transfer partners. You can redeem your points at up to 1.5 cents per point in value towards paid bookings through the Chase travel portal. The value you’ll get depends on the Ultimate Rewards credit card you have, though.

We recommend starting with Ultimate Rewards points when you begin your miles and points journey. This is because Chase’s famous 5/24 rule makes those with over 5 new credit cards in the past 24 months ineligible for new Chase credit cards.

» Related: Capital One vs. Chase Credit Cards: Which Is Best?

Capital One Miles vs. Citi ThankYou Rewards

Citi’s ThankYou Points currency is another underdog of the miles and points world. It isn’t quite as well-known as Amex or Chase’s options, but it’s worth a look if you’re over 5/24 and want to take advantage of transfer partners such as Turkish Airlines Miles&Smiles. That said, we still value Capital One miles higher than Citi ThankYou Points (which we value at 1.6 cents apiece).

So, you may want to check out Capital One before Citi, but only after you’ve exhausted your options for earning more valuable points currencies, such as Amex Membership Rewards or Chase Ultimate Rewards.

» Related: Capital One vs. Citi Credit Cards – Which Is Best? [2025]

Final Thoughts

Now you know the ins and outs of Capital One Miles. We started by discussing what these miles are, and then we examined how to earn and spend them and compared them to other types of transferable points.

Capital One miles are a solid addition to your points and miles portfolio. They may not be as valuable as Chase Ultimate Rewards or American Express Membership Rewards. Still, the unique set of transfer partners, lucrative earnings, and interesting credit card benefits make them attractive for specific uses.

We highly recommend you stick to redeeming your Capital One miles through transfer partners.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

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Frequently Asked Questions

Can I transfer Capital One miles to Southwest Airlines?

Capital One miles do not transfer to Southwest Airlines.

Does the Capital One Venture card earn 5x miles on car rentals, vacation rentals, and hotels through Capital One Travel?

Yes! The Capital One Venture card earns 5x on car rentals, vacation rentals, and hotel stays booked through Capital One Travel.

Do any Capital One credit cards include airport lounge access?

The Capital One Venture X card and the Capital One Venture X Business card both offer unlimited free visits to Capital One Lounges, as well as complimentary Priority Pass Select membership.

What are 100,000 Capital One miles worth?

According to our valuations, 100,000 Capital One miles is worth around $1,800. You can get better or worse value depending on how exactly you use your miles, but this is a good rule of thumb.

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About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs but now lives in Queens, New York.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 40 countries, 20 travel credit cards and 3 airline statuses under his belt. Andrew was formerly a Senior Editor at The Points Guy and CNN Underscored.

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