How Much Are Capital One Miles Worth? [22 FAQs]

Updated: February 16, 2024, 9:40am CST

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How Much Are Capital One Miles Worth? [22 FAQs]

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Capital One Miles has inserted itself among the U.S. leaders in credit card rewards.

Just like Chase Ultimate Rewards, American Express Membership Rewards, and Citi ThankYou Rewards, Capital One Miles is a valuable flexible rewards currency.

However, this wasn’t always the case — Capital One used to have a reputation for focusing on subprime borrowers.

But, that’s all changed today. The Venture and Spark families of credit cards are impressive product lines that compete with the best in the business.

In this guide, we’ll help you figure out whether Capital One miles are worth earning. We’ve got plenty of ground to cover, so let’s answer your most pressing questions about Capital One!

22 FAQs About Capital One Miles

1. What Is Capital One Miles?

Capital One Miles is the main travel rewards program offered by Capital One.

This ecosystem of rewards is accessible through a variety of Capital One card products:

Capital One Venture X Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Capital One Spark Miles for Business
Capital One Spark Miles Select for Business
Capital One Venture X Business Card (Information collected independently. Not reviewed by Capital One.)

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

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

Capital One Venture Rewards Credit Card

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

Welcome OfferEnjoy 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.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$95

APR

19.99% - 29.99% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

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

5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
No foreign transaction fees (rates & fees)
Access to Capital One transfer partners

Cons

$95 annual fee (rates & fees)
Limited elite benefits

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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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 $100 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
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating

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

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.

Welcome OfferEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$395

APR

19.99% - 29.99% (Variable)

Credit Recommended

Excellent (740-840)

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

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry or TSA PreCheck credit
Add authorized users for no additional annual fee (rates & fees)
No foreign transaction fees (rates & fees)

Cons

$395 annual fee (rates & fees)
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

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
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
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating

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.

Welcome OfferEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles

UP's Bonus Valuation*:
$360

Annual Fee

APR

19.99% - 29.99% (Variable),0% intro on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

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

No annual fee (rates & fees)
No foreign transaction fees (rates & fees)
Ability to use transfer partners
Fraud coverage

Cons

Weak earn rate at 1.25x miles per $1 spent on all purchases
No luxury travel or elite benefits

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Financial Snapshot

APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Capital One Spark Miles for Business

U.P. Rating

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

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 $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Welcome OfferEarn 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

UP's Bonus Valuation*:
$900

Annual Fee

$0 intro for the first year, $95 after that

APR

26.24% (Variable)

Credit Recommended

Good to Excellent (670-850)

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

Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage

Cons

Annual fee: $0 intro for the first year, $95 after that

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 on hotels and rental cars booked through Capital One Travel
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
Skip the lines with up to a $100 statement credit on TSA PreCheck^® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

APR: 26.24% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

A little-known fact about the program is that if you’re a business owner who earns rewards on the Spark Cash line of products, you can convert those rewards to Capital One miles at a 1% to 1x ratio, as long as you also have one of the credit cards above.

Here are the cash-back cards with rewards that can be converted to Capital One miles:

Capital One Spark Cash Plus Card
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Classic for Business

Terms Apply / Rates & Fees

Capital One Spark Cash Plus Card

U.P. Rating

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Capital One Spark Cash Plus Card

The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.

Welcome OfferEarn $1,200 cash back once you spend $30,000 in the first 3 months
$1,200

Annual Fee

$150

APR

N/A

Credit Recommended

Excellent (740-850)

The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).

Pros

Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000 (rates & fees)
No foreign transaction fees (rates & fees)
Extended warranty coverage
Payment flexibility (pick your own due date)

Cons

$150 annual fee (rates & fees)

Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month

Financial Snapshot

APR: N/A
Foreign Transaction Fees: None

Card Categories

Another nice observation about Capital One Miles is that you can access the program with a no-annual-fee card like the Capital One VentureOne card (rates & fees), for example.

2. Is Capital One Miles Worth It?

We think that for most people, Capital One Miles is a worthwhile program. Because Capital One has transfer partnerships with various airlines and hotels, you can often redeem your miles for superb value.

It’s not possible to earn lots of rewards on everyday bonus categories like restaurants and groceries, but Capital One’s approach here has been to offer a substantial rewards structure on purchases without bonus categories.

So whether you’re paying for health insurance, taxes, or electronics, you’ll earn bonus rewards.

We value Capital One miles at 1.8 cents apiece.

3. How Do I Check My Capital One Miles?

There are 3 main ways you can check your Capital One miles balance:

Logging into the Capital One website
Using the Capital One mobile app
Calling the number on the back of your Capital One card

To check your Capital One miles online or through the mobile app, log into your online account and look for the box that says Explore Rewards & Benefits. Your rewards balance will be displayed there.

If you’re making a phone call to Capital One, follow the prompts to get to Capital One Miles. From there, you may hear an automated message informing you of your Capital One miles balances. You may also get connected to a live representative who can help further.

4. How Much Are Capital One Venture Miles Worth?

The Capital One Venture card earns Capital One miles, which we value at around 1.8 cents each. However, in practice, they can be worth as little as 0.5 cents per mile or as much as 10 cents per mile.

If you redeem your miles for cash-back, you’ll get 0.5 cents per mile.

If you redeem your miles for gift cards, you’ll get 0.5 to 1.0 cents per mile.

If you redeem your miles for PayPal, you’ll get 0.8 cents per mile.

If you redeem your miles for Amazon, you’ll get 1 cent per mile.

If you redeem your miles for travel booked through Capital One Travel, you’ll get 1 cent per mile.

If you transfer your Capital One miles to transfer partners, you’ll get up to 10 cents per mile of value.

5. How Much Are Capital One Venture X Miles Worth?

The Capital One Venture X card earns Capital One miles, which are worth 1.8 cents each, according to our valuations.

As we mentioned previously, you’ll get anywhere from 0.5 to 10 cents per mile in value.

There’s no difference between the rewards earned on the Capital One Venture card and the Capital One Venture X card — the redemption methods and redemption values are identical.

6. How Much Are Capital One Spark Miles Worth?

The Spark Miles family of Capital One credit cards also earn Capital One miles. The only difference is that the Spark Miles family of credit cards is for business owners, while the Venture cards are personal credit cards.

Capital One miles are worth around 1.8 cents each based on our valuations, though you can get anywhere from 0.5 to 10 cents per mile.

7. How Much Are 20,000 Capital One Miles Worth?

Although we peg Capital One miles at 1.8 cents each, you probably can’t get that much value from 20,000 Capital One miles.

That’s because luxury award travel usually costs more than 20,000 miles, and the other ways to use Capital One miles offer lower redemption value.

For example, if you have 20,000 Capital One miles, you can get $200 in travel through the Capital One Travel portal, $200 at Amazon.com, $160 at PayPal, $100 to $200 in gift cards, or $100 in cash-back.

This is in stark contrast with our valuations that would put 20,000 Capital One miles as being worth $360.

You can use 20,000 Capital One miles for a round-trip business class ticket on United between the mainland U.S. and Hawaii through Turkish Airlines Miles&Smiles, which could theoretically be way more expensive than $1,000 — this is the power of transferring miles to travel partners!

8. How Much Are 50,000 Capital One Miles Worth?

According to our valuations, 50,000 Capital One miles are worth around $900, but you’ll get $500 in travel through the Capital One Travel portal, $500 at Amazon.com, $400 at PayPal, $250 to $500 in gift cards, or $250 in cash-back.

To get the best value, transfer your Capital One miles to travel partners like Wyndham to book vacation rentals through Vacasa or Turkish Airlines Miles&Smiles for a one-way business class flight to Europe on Star Alliance airlines.

9. How Much Are 60,000 Capital One Miles Worth?

According to our valuations, 60,000 Capital One miles are worth around $1,080. When you go to redeem them, you’ll get $600 in travel via Capital One Travel, $600 at Amazon.com, $480 at PayPal, $300 to $600 in gift cards, or $300 in cash-back.

You’ll get maximum value by transferring your Capital One miles to travel partners. For example, if you transfer 60,000 miles to Air France-KLM Flying Blue, you can book a one-way business class flight to Europe, which is almost always worth more than $2,000.

You can also transfer your Capital One miles to Wyndham Rewards and book 4 nights in a 1-bedroom Vacasa property, which could retail at around $300 per night. That’s $1,200 in value!

10. How Much Are 75,000 Capital One Miles Worth?

According to our valuations, 75,000 Capital One miles are worth $1,350. When you go to redeem those Capital One miles, you could get $750 in travel through the Capital One Travel portal, $750 at Amazon.com, $600 at PayPal, $375 to $750 in gift cards, or $375 in cash-back.

When you leverage transfer partners, you can use 75,000 Capital One miles for a one-way business class flight to the Middle East on Qatar Airways Qsuites (which is worth more than $4,000 in most cases) or a one-way business class flight to Asia on ANA.

This is an easy way to double or even triple the value you receive.

11. How Much Are 100,000 Capital One Miles Worth?

By our valuations, 100,000 Capital One miles are worth about $1,800.

These are worth $1,000 in travel booked via Capital One Travel, $1,000 at Amazon.com, $800 at PayPal, $500 to $1,000 in gift cards, or $500 in cash-back.

However, if you pick the right transfer partner, your 100,000 Capital One miles can be used for a one-way business class flight to Australia, a one-way business class flight to Africa, a Singapore Airlines business class flight to Asia, and so much more.

In fact, it’s not unheard of to get $5,000 of value from 100,000 Capital One miles.

12. How Many Capital One Miles Equal a Dollar?

If you refer to our valuations of 1.8 cents per Capital One mile, you’ll need 56 Capital One miles to get a dollar of value.

However, we’ve broken it down in further detail by the various redemption options available.

If you use your miles for statement credits, you will redeem 200 Capital One miles for a dollar.

If you use your Capital One miles for gift cards, you will redeem 200 to 100 Capital One miles for a dollar.

If you use your Capital One miles at PayPal, you’ll redeem 125 Capital One miles for a dollar.

If you use your Capital One miles at Amazon.com, or Capital One Travel bookings, you’ll redeem 100 Capital One miles for a dollar.

Lastly, if you use your Capital One miles through transfer partners, you’ll redeem as few as 10 Capital One miles for a dollar.

13. What Can You Use Capital One Miles For?

Capital One Travel — Image Credit: Capital One

Currently, you can use Capital One miles in the following ways, which are ranked from highest to lowest value:

Transfer to travel partners like airlines and hotels
Capital One Travel bookings
PayPal
Amazon.com
Gift cards
Cash-back

14. How Much Are Capital One Miles Worth in Cash?

Capital One miles are worth 0.5 cents per mile if redeemed for cash. This means you’ll redeem 200 miles for a dollar in cash.

15. How Much Are Capital One Miles Worth on Amazon?

Capital One miles are worth 1 cent per mile if redeemed on Amazon.com. This means you’ll redeem 100 miles for a dollar on Amazon.com.

16. How Many Capital One Miles for a Flight?

Capital One miles are worth 1 cent per mile if redeemed for flights through Capital One Travel. This means you’ll redeem 100 miles for a dollar of flights booked through these 2 methods.

But if you use Capital One miles for an award flight, you can get as much as 10 cents per mile in value.

17. How Many Capital One Miles for a Hotel?

Capital One miles are worth 1 cent per mile if redeemed for hotels booked via Capital One Travel.

18. Do Capital One Miles Expire?

As long as your Capital One account is open and in good standing, your Capital One miles will not expire.

If you’re considering closing one of your Capital One cards but want to keep your miles alive, remember to move the miles to another Capital One credit card before closing that card.

19. What Is the Best Way To Use Capital One Miles?

As always, the best way to use Capital One miles is for award travel booked through Capital One’s airline and hotel partners.

Here are some of the optimal ways you can use Capital One miles:

Transfer miles to Turkish Airlines Miles&Smiles to book round-trip flights on United Airlines to Hawaii
Transfer miles to Singapore Airlines KrisFlyer to book Singapore Airlines business class and first class flights
Transfer miles to Etihad Guest to book American Airlines business class and first class flights
Transfer miles to British Airways Executive Club to book Qatar Airways Qsuites flights
Transfer miles to Wyndham Rewards to book vacation rentals through Vacasa

20. Are Capital One Miles or Chase Points Better?

Capital One miles are slightly less valuable than Chase Ultimate Rewards points. Because Chase has fantastic partnerships with United MileagePlus and World of Hyatt, we consider Chase Ultimate Rewards to be a more valuable currency than Capital One Miles. We value Capital One miles at 1.8 cents apiece, while we value Ultimate Rewards points at 2 cents apiece.

That said, Capital One offers one of the only ways to get outsized value on vacation rental bookings through Wyndham’s partnership with Vacasa, which Chase can’t match.

Finally, we’ll mention that many of the Chase transfer partners are shared with Capital One, too.

21. Are Capital One Miles or Amex Points Better?

Capital One miles are less valuable than American Express Membership Rewards points, in general. We value Amex points at 2.2 cents apiece, while Capital One miles are 1.8 cents apiece.

And even though Capital One has a transfer partnership with Turkish Airlines Miles&Smiles, extracting outsized value from that program can be difficult to pull off in practice.

On the other hand, Capital One doesn’t have access to some of the best Amex transfer partners like Delta SkyMiles, ANA Mileage Club, Hilton Honors, and even Marriott Bonvoy.

22. Are Capital One Miles or Citi Points Better?

Capital One miles are slightly more valuable than Citi ThankYou Rewards Points. That’s largely because Capital One offers transfer partnerships with Air Canada Aeroplan and British Airways Executive Club. We value Capital One miles at 1.8 cents apiece and Citi ThankYou Points at 1.6 cents apiece.

On the other hand, Citi has a better transfer ratio with Choice Privileges at 1:2 instead of Capital One’s 1:1 ratio.

On balance, the 2 are very close, but the partnership with Aeroplan gives Capital One a slight edge over Citi.

Bottom Line: Capital One miles are more valuable than Citi ThankYou Points but less valuable than American Express Membership Rewards points and Chase Ultimate Rewards points.

Final Thoughts

Capital One miles are some of the best credit card rewards to accumulate today.

Because you can earn up to 2x miles minimum on all purchases without having to worry about bonus categories, Capital One Miles offers streamlined rewards for the “everything else” purchases.

We value Capital One miles at 1.8 cents apiece, though the true redemption value you’ll get will fluctuate between 0.5 cents per mile and 10 cents per mile.

Be sure to avoid redeeming your Capital One miles for gift cards, statement credits, and PayPal. Instead, transfer your points to travel partners to get the best possible value.

The information regarding the Capital One Spark Classic for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: Capital One

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