Capital One Transfer Partners 2025: What You Need to Know

Capital One currently partners with more than 15 airlines and hotel loyalty programs. Most partners transfer at a ratio of 1:1, though a few partners have different rates.

Capital One airline partners

Capital One currently has 16 airline partners that represent the three major airline alliances — Oneworld, SkyTeam and Star Alliance.

Three of its airline partners, Emirates, Etihad and JetBlue, aren’t part of an airline alliance, but you can move your Capital One miles to any of these airlines. They partner with various international airlines, which means you can, for example, transfer miles to Emirates if you want to use them to book with Japan Airlines.

Capital One hotel partners

Choice Privileges Hotels

You’ll generally lose value on your Capital One miles by transferring them to the Choice Privileges program, where points are typically worth less than 1 cent apiece. Furthermore, while many travelers are seeking to redeem points for aspirational travel, many Choice hotel locations are on the budget end of the spectrum, especially in the United States.

ALL Accor Live Limitless

As the only hotel program whose points transfer at a ratio less than 1:1, Accor offers less value than its counterparts. For 2,000 miles, Accor Live Limitless deducts 40 Euros from your bill. This appears to be a good deal until you remember this requires 4,000 Capital One miles due to the 1: 0.5 transfer ratio. At this rate, you’re better off booking your stay with Capital One’s travel portal and paying with cash or using your miles for a statement credit.

EVA Infinity MileageLands

EVA Air is the only Capital One airline partner that transfers at a lower ratio. For every 1,000 Capital One miles you transfer, you only get 750 EVA Infinity miles. It also features a more expensive award chart. You’re better off transferring miles to a different Star Alliance program, like Air Canada Aeroplan or Avianca LifeMiles.

Here are the steps after you’ve logged into your CapitalOne.com account.

1. Log in to CapitalOne.com.
2. Select your eligible Capital One credit card.
3. Click on “View Rewards.”
4. Choose “Transfer Rewards.”
5. Choose the option you want to use.
6. Follow the prompts to complete the transfer.
7. Receive a confirmation email and save it for your records.

Note that the minimum number of miles you can transfer is 1,000. You must also transfer miles in increments of 1,000. For example, if you need 15,500 miles to book an award flight, you’ll need to transfer 16,000 Capital One Miles to the partner airline. The remaining 500 miles won’t go to waste; they can be used on your next trip.

Transfers aren’t always instant, but you can generally expect them to be completed within 24 hours. Remember that transfers are final and cannot be reversed.

When you use your Capital One miles as a statement credit or via the Capital One travel portal, they are worth 1 cent per point. While that serves as a useful floor for the value of your miles, it’s possible to get even more miles when you transfer to Capital One’s travel partners. You can find deals that make your miles worth up to 2 cents each — much higher than the 1 cent value you get from redeeming miles through the Capital One travel portal.

Adding your Capital One miles to an existing balance of airline miles or hotel points also helps you earn rewards faster. Transfer bonuses are occasionally offered and can give you even more value.

When you’re considering the value of Capital One transfer partners, you’ll also want to consider what kind of trips you’re planning on taking, what airlines you’d like to fly with, and whether you can easily earn Capital One miles.

To illustrate the value of booking miles with one of the Capital One airline transfer partners, we’ll compare a flight through Capital One’s travel portal versus transferring your miles to British Airways Avios. We’ve chosen a one-way flight on American Airlines from Dallas (DFW) to New York JFK.

You can transfer Capital One miles to British Airways Avios and book this flight for 18,000 Avios plus $5.60 in fees.

If you tried to book this flight through the Capital One travel portal, it would cost 27,440 Capital One miles.

In this scenario, you save nearly 10,000 Capital One miles by transferring to an airline partner instead of booking through the travel portal.

When transferring miles is less valuable

While transferring miles will often give you better value, that is not always the case. Here is another example using British Airways Avios, this time for a flight on American Airlines from Chicago to New York.

You could transfer your Capital One miles to British Airways Avios to book this flight on BA’s oneworld alliance partner, American Airlines. It would take 16,000 Capital One miles (plus $5.60) to book this flight using Avios.

But this same flight is available through the Capital One travel portal for only 9,948 miles

In this case, it would be a smarter move to not transfer your Capital One miles and instead book through the Capital One travel portal (just know that these values are subject to change).

Capital One has six travel cards for consumers and business owners. Two cards have no annual fee, while the others have fees and include various travel perks and protections.

Welcome bonuses and earning rates vary among the cards. With the Capital One Venture X Rewards Credit Card, you can earn up to 10x miles on hotels and rental cars booked through Capital One’s travel portal.

• Sign up for the airline or hotel loyalty program before transferring your miles if you’re not already a member. You won’t be able to transfer your miles without an account in the program where you’re trying to transfer
• Verify that a flight has plenty of award space before transferring your miles.
• Some airline programs allow you to put an award flight on hold to give you time to transfer miles. This is important because Capital One transfers can take some time to finalize.
• Your name and important contact information must match those in your loyalty program and Capital One account. Addresses and phone numbers are generally easy to update. However, if there’s an error in your birthdate or your ID, you may need additional customer service support.
• All points transfers are final, so be sure you want to make the transaction, because your points can’t be transferred back to your Capital One account.
• Transfer ratios vary by partner — so make sure you know how many miles you should expect after the transfer.
• Capital One occasionally has transfer bonuses, so it may make sense to watch out for those before transferring your miles. Taking advantage of a transfer bonus can boost your balance by up to 40% or more.