Capital One Credit cards that earn transferable miles – The Points Guy


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

While you may associate Capital One with its fixed-value rewards, allowing you to redeem your points for statement credits or to offset travel purchases, there is another way to use your miles that can provide greater value.

Capital One miles have gained additional transfer partners and improved the transfer ratios on others in recent years, becoming a strong transferable rewards currency.

Here are the credit cards that earn transferable Capital One miles, the current list of transfer partners and a few ideas on using your miles.

Capital One transfer partners

Before discussing Capital One cards that earn transferable miles, let’s first look at the available transfer partners and the transfer ratios:

Related: Your ultimate guide to Capital One’s airline and hotel transfer partners

If you’re wondering how long these transfers take, check out this guide: How long do Capital One miles transfers take? And if you want to learn more about one of the programs in the list above, click on its name.

Favorite uses of Capital One miles

Perhaps you don’t see your favorite airline or hotel program on the list above. Does that mean it’s not worth amassing Capital One miles? Hardly.

Related: How (and why) you should be earning lots of Capital One miles

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Consider pricing for a Lufthansa first-class flight using LifeMiles. You’ll pay 87,000 miles + $26.70 for this luxury ride from Chicago to Frankfurt.


Using United miles, you’d pay 121,000 miles + $5.60 — an increase of 34,000 miles.


If you’ve dreamt of a round-the-world ticket, you can use Capital One miles to book your journey with Cathay Pacific (for Oneworld airlines) and Aeromexico (for SkyTeam airlines). Last year, I paid 185,000 Asia Miles for a business-class itinerary departing Los Angeles and stopping in South Korea, Vietnam, Pakistan, Iran and Israel before returning home.

Related: Tips and tricks to get maximum value from your Capital One miles

It’s also worth paying attention to Flying Blue Promo Rewards. These are discounted award redemptions on Air France and KLM, rotating monthly and offering incredible value on both intra-Europe and long-haul flights.

Related: How to transfer Capital One miles to airline partners


Ultimately, the airline you want to fly on is less important than how you book that flight; it’s worth earning Capital One’s version of transferable miles even if the airline you want to fly isn’t a transfer partner.

Related: How (and why) you should earn transferable points

Capital One personal credit cards that earn transferable miles

The following credit cards earn Capital One transferable miles:

Clearly, how (and how quickly) you earn miles varies by card. It’s also worth pointing out that you can accrue even more miles by converting rewards from Capital One cash-back cards into miles.

Capital One business credit cards that earn transferable miles

Capital One also has small-business credit cards earning transferable miles. Consider the following:

The information for the Spark Miles Select and Venture X Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

It’s worth noting that the Venture X Business card isn’t publicly-available; you’ll need a Capital One business relationship manager to help you apply for this card.

You can transfer miles from your business card to the same partners mentioned above. Personal and business credit cards from Capital One use the same partners for transferable miles.

Bottom Line

TPG values Capital One miles at 1.85 cents apiece, thanks to its list of transfer partners and the value they can provide. You can use these miles across multiple hotel and airline programs, even leveraging airline partnerships to book flights for airlines that aren’t Capital One transfer partners.

Multiple Capital One credit cards earn transferable miles. The earning rates, benefits and welcome bonuses vary by card, so look through the list above to find the one that’s right for you.

Additional reporting by Ethan Steinberg.


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