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Capital One Rewards Transfer Partners – Complete How-To Guide
December 12, 2024
Understanding Capital One Transfer Partners
Capital One’s travel rewards cards earn “miles” that you can transfer to 19 partner loyalty programs (16 airlines and 3 hotels). This flexibility is what makes Capital One Miles so powerful. Instead of being locked into one airline or hotel, you can convert your miles 1:1 to most partners.
This means 50,000 Capital One miles could become 50,000 airline miles in programs like Air Canada Aeroplan or British Airways Avios, potentially yielding high-value award flights. In 2018 Capital One introduced transfers, and the partner list has since grown (JetBlue was a recent addition). Today, Capital One’s partner network spans all three major airline alliances (Star Alliance, Oneworld, SkyTeam) and several hotel groups – giving you access to worldwide travel opportunities.
However, it’s important to know not all partners are equal. Some transfers unlock outsized value (for example, Avianca LifeMiles for premium Star Alliance flights), while others are less lucrative (hotel points often have lower value per point). We’ll dive into the full list of partners and highlight the best ways to use them.
But first, here’s a quick summary of how transferring works: You initiate transfers via your Capital One online account – choose a partner, enter your loyalty account number, and decide how many miles to send. Transfers are one-way (you can’t convert back to Capital One once done), and most occur almost instantly or within 1 day in our experience. With that in mind, let’s explore your transfer options.
Complete List of Capital One Transfer Partners - Airline Partners
Capital One has built an impressive roster of travel transfer partners. These include 16 airlines and 3 hotel programs that you can send your miles to for conversions. Except where noted, the transfer ratio is 1:1 – meaning 1,000 Capital One miles = 1,000 partner miles/points. Below we break down the full list, grouped by airlines vs. hotels, and mention any special ratios or noteworthy perks of each partner:
Airline Partners (1:1 transfer unless noted):
- Aeromexico Club Premier – SkyTeam alliance member. Good for flights on Aeromexico and partners like Delta. Transfers at 1:1.
- Air Canada Aeroplan – Star Alliance program. Excellent for various Star Alliance awards (Air Canada, United, Lufthansa, etc.), with valuable sweet spots on partner airlines. 1:1 transfer.
- Air France/KLM Flying Blue – SkyTeam alliance. 1:1 transfer. Known for monthly “Promo Rewards” sales (e.g. Europe-US flights for as low as ~11k miles one-way).
- Avianca LifeMiles – Star Alliance. 1:1 transfer. LifeMiles often offers cheaper award charts than United for the same Star Alliance flights. NerdWallet values LifeMiles around 1.6¢ each, among the highest of any partner, indicating great potential value.
- British Airways Executive Club (Avios) – Oneworld alliance. 1:1. Avios are superb for short-haul flights on American Airlines and Alaska (e.g. flights to the Caribbean for 9,250 Avios) and intra-Europe/off-peak awards, due to a distance-based award chart.
- Cathay Pacific Asia Miles – Oneworld. 1:1. Asia Miles can book Cathay Pacific and partners like American or Qantas. It uses a distance-based chart; great for certain oneworld routes but not all.
- Emirates Skywards – 1:1. Notable for aspirational awards like Emirates first class. While economy redemptions give only ~1¢ per mile value, using Skywards for business or first class (e.g. on Emirates or partner flights like JetBlue Mint) can yield much higher value.
- Etihad Guest – 1:1. Etihad is not in a major alliance, but partners with many airlines (American Airlines, Turkish, etc.). Etihad miles can be extremely useful for specific partner redemptions (e.g. AA flights to Europe or Royal Air Maroc flights) that often price cheaper than other programs.
- EVA Air Infinity MileageLands – Star Alliance. Transfers 2:1.5 (i.e. 1,000 CapOne = 750 EVA miles). EVA’s award chart isn’t the best for Star Alliance awards (and you have Aeroplan/LifeMiles as 1:1 alternatives), so this is a niche option – probably not your first choice unless you’re topping off for a specific EVA award.
- Finnair Plus – Oneworld. 1:1. Finnair now uses Avios as well, like BA, meaning your Capital One miles essentially become Avios in Finnair’s program. You can use them in similar ways (short-haul Oneworld flights, etc.).
- JetBlue TrueBlue – Transfers 5:3 (1,000 = 600 TrueBlue points). JetBlue’s transfer ratio is less favorable. TrueBlue points roughly equal ~1.3¢ value each towards flights, so transferring without a promo can be suboptimal. However, if you need to top up for a JetBlue award (especially Mint business class), it’s an option.
- Qantas Frequent Flyer – Oneworld. 1:1. Qantas points can book Oneworld partners too (like American or Alaska). They have a distance-based chart; better for short, expensive routes (often in Australia/Oceania region or partner flights within Asia).
- Singapore Airlines KrisFlyer – Star Alliance. 1:1. Singapore miles are the only way to book Singapore Airlines’ own ultra-premium cabins (like Suites or First Class), as they restrict partner access. Great for flights to Asia, Europe, and even on United metal for certain U.S. routes. Note: KrisFlyer miles can be transferred from multiple programs, so you can combine points from Amex, Chase, etc., with Capital One miles to reach a redemption.
- TAP Air Portugal Miles&Go – Star Alliance. 1:1. TAP’s program offers decent award rates between North America and Europe, though some quirks in availability. Useful especially if you fly TAP, but also has the ability to transfer points to other people’s accounts occasionally (unique feature).
- Turkish Airlines Miles&Smiles – Star Alliance. 1:1. A hidden gem for certain awards – e.g., you can book United domestic flights within the US for 7.5k miles one-way in economy or 15k in business, and even flights to Hawaii for 7.5k. Turkish miles are extremely valuable for specific sweet spots (like flying to Hawaii or on partner airline business class for less).
- Virgin Red (Virgin Atlantic) – 1:1. Virgin Atlantic’s program (now called Virgin Red) can be useful for booking Delta flights (especially Delta One to Europe at favorable rates) and of course Virgin Atlantic flights. Note Virgin is in SkyTeam now via Air France/KLM, but Virgin points remain separate. They often run transfer bonus promotions from various banks (e.g. 30% extra), so keep an eye out – timing transfers during a bonus can boost value.
Complete List of Capital One Transfer Partners - Hotel Partners
Hotel Partners:
- Accor Live Limitless (ALL) – Transfers 2:1 (1,000 CapOne = 500 Accor points). Accor points have a fixed value (€0.02 each when used toward hotel bills), so effectively 1 Capital One mile becomes €0.01 of hotel stay – about 1.1¢ in USD, roughly what a mile is worth via other uses. This is a low transfer value; consider it only if you stay at Accor brands (Fairmont, Sofitel, etc.) and need to top up points.
- Choice Privileges – 1:1. Choice Hotels points can be valuable at niche redemptions (e.g. upscale Comfort Inn hotels in Japan or Scandinavia for 8,000 points a night). At 1:1, it’s a reasonable use if you find high-value Choice redemptions, though domestically Choice points are often worth ~0.6–0.8¢ each.
- Wyndham Rewards – 1:1. Wyndham points are usually worth ~1.1¢ each and all hotels cost 7,500, 15,000 or 30,000 points per night (flat tier system). This can be leveraged for vacation rentals (15k Wyndham = a Go Fast award) or all-inclusive resorts. Transferring to Wyndham could make sense if you’re just shy of the points for a booking, but like Choice, the per-point value might be lower than what you get with airline transfers.
As of 2025, those are the full partner lists. Capital One may add partners in the future – always double-check current ratios before transferring. Also note you need an applicable Capital One card to access transfers.
Maximizing Value from Your Transfers
Not all transfer redemptions are created equal. Here are key tips and some of the best ways to use Capital One transfer partners:
Focus on High-Value Redemptions
A good rule: aim for greater than 1¢ per mile in value when transferring (since you could redeem Capital One miles for a flat 1¢ via the travel portal or “purchase eraser”). Many airline partners can yield 2¢ or more per mile on premium cabin flights or special routes. For example, transferring to Avianca LifeMiles to book a Business Class ticket that would cost $2,000 can be a huge win if it costs 95,000 miles (≈2.1¢/mile value).
Leverage Alliances
As mentioned, Capital One lacks direct partnerships with the big U.S. domestic airlines (United, Delta, American, Southwest). But you can still fly them by transferring to partners: e.g. use Air Canada or Avianca miles to book United flights (Star Alliance), or British Airways Avios to book American Airlines (Oneworld).
Watch for Transfer Bonuses
Occasionally, Capital One (like other issuers) runs limited-time transfer bonuses. For example, a 20% bonus to Air France/KLM Flying Blue means you’d get 1.2 Flying Blue miles per 1 CapOne mile. These promotions can significantly boost value if timed right. Keep an eye on news (The Points Guy and others often report monthly transfer bonus offers).
Best Partners for Big Value
Generally, the consensus best partners (for outsized value) include Avianca LifeMiles, Turkish Miles&Smiles, Air Canada Aeroplan, Singapore KrisFlyer, and British Airways Avios. Each offers unique “sweet spots”: e.g., Turkish Miles&Smiles for 7,500-mile domestic awards, Aeroplan for complex itineraries or flights to Africa/Asia (with stopovers), LifeMiles for business class to Europe without fuel surcharges, etc. Don’t overlook Virgin Red too – its points can book Delta One suites for far fewer points than Delta would charge.
Plan Before You Transfer
Once you move miles to a partner, you cannot reverse it. So, it’s best to have a specific redemption in mind. Check that award space is available in the partner program before transferring. For instance, confirm that the flight you want has an award seat, then transfer and book immediately. This avoids having, say, 50k miles stranded in a program you can’t use later.
By following these tips, you’ll ensure that when you do transfer, you’re getting the maximum travel experience for your hard-earned rewards. Many travelers have leveraged Capital One’s partners for things like $10,000+ first-class flights (Emirates, Cathay Pacific) or luxurious hotel stays that would otherwise be unattainable – the key is choosing the right partner at the right time.
How to Transfer Your Capital One Miles (Step-by-Step)
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Transferring Capital One miles to a partner is a simple process, done through Capital One’s website or mobile app:
- Log in to your Capital One account. Navigate to your rewards credit card’s account page.
- Go to the Rewards section. Look for an option like “Redeem Rewards” and then choose “Transfer Your Miles” (on the website). In the app, there’s a “Transfer Miles” feature in the rewards menu.
- Select a Transfer Partner. You’ll see the list of airline and hotel partners. Choose the program you want to transfer to. (If it’s your first time, you may need to link your loyalty account by entering your membership number/name – make sure it matches your CapOne card account name.)
- Enter the number of miles to transfer. Transfers must be in increments of 1,000. Note the transfer ratio displayed. For example, if you select JetBlue, it might show “1,000 miles = 600 TrueBlue points.”
- Confirm the transfer. Double-check everything, then confirm. Warning: transfers are irreversible – you’ll see a disclaimer that you can’t get these miles back to Capital One once moved.
- Wait for the transfer to complete. In many cases, transfers are instant or same-day. Most airline partners credit almost immediately (often within minutes), while a few could take up to 1-2 days. Capital One will alert you if it’s a longer transfer time.
That’s it! Once the miles are in the airline/hotel account, use them by booking awards through that loyalty program. If you run into any issues (e.g. name mismatch or technical errors), Capital One’s support can assist. But generally, it’s a smooth process that gives you a ton more options for using your rewards.
FAQ: Capital One Transfer Partners
How many transfer partners does Capital One have?
Capital One has 19 transfer partners as of 2025 – 16 airlines and 3 hotel programs. This list has expanded from when the program launched (it started with about 12 in 2018). The current partners include Aeromexico, Air Canada, Avianca, British Airways, Emirates, Etihad, Flying Blue, Singapore, Turkish, and more on the airline side, and Accor, Wyndham, Choice hotels on the hotel side. (No direct partnerships with U.S. big three airlines, but you can still book those via alliances.)
What are the best Capital One partners to transfer miles to?
It depends on your travel goals, but generally airlines give the best value. Standouts are Avianca LifeMiles (for Star Alliance flights at excellent rates), Turkish Miles&Smiles (super cheap awards like 7.5k domestic flights or 15k business to Hawaii), Air Canada Aeroplan (versatile rewards and stopover options), Singapore KrisFlyer (the only way to book Singapore Air’s premium cabins), and British Airways Avios (great for short-haul on American or Alaska). These often let you get well over 1 cent per mile value. Hotel transfers (Accor/Choice/Wyndham) are less lucrative, so consider those more for topping off points if you’re close to a free night.
Can I transfer Capital One miles to [United/Delta/American]?
Not directly. Capital One does not partner with United, Delta, or American Airlines outright. However, you can still use your miles to fly them indirectly. For United, transfer to Aeroplan or LifeMiles – both can book United flights. For Delta, transfer to Air France/KLM Flying Blue or Virgin Red, which can book Delta flights. For American, transfer to British Airways or Qatar Airways (Avios programs) to book American flights. Essentially, through alliances, Capital One miles can reach almost any airline even without a direct partnership.
Do Capital One miles transfers happen instantly?
In many cases, yes, or very quickly. Capital One reports most transfers are immediate or within 24 hours. For example, Aeroplan, Flying Blue, and Avios transfers tend to show up almost instantly in our experience. Some might take a bit longer – E.g., Singapore KrisFlyer or Emirates might take a few hours to a day. Capital One’s site notes some could take up to 5 business days, but that’s more the exception. Always check your loyalty account after initiating the transfer so you know when the miles have arrived.
Is it worth transferring Capital One miles instead of using them on Capital One’s travel portal?
If you want maximum value and don’t mind a bit of effort, transferring can be absolutely worth it. Capital One’s portal gives a fixed value of 1¢ per mile (e.g., 50k miles = $500 trip). By transferring, you might get flights or hotels worth 2× or 3× that. Example: 50k Capital One miles could become 50k Asia Miles – which might book a one-way Business Class flight that costs $1,500 (that’s 3¢ per mile!). However, if you only travel occasionally or prefer simplicity, using the portal guarantees a hassle-free redemption. Also, for cheap airfare sales or low-cost carriers, the portal is fine. The rule of thumb: transfer only when you see a redemption that yields higher than 1¢ per mile (and ensure award availability).
Conclusion
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Capital One’s transfer partners open up a world of travel possibilities – from booking luxury flights for a fraction of the usual cost to stretching your points for extra getaways. With smart transfers, you can extract more than the standard value and truly maximize your rewards. Remember to plan ahead, target the valuable partners, and enjoy the journey that your miles can take you on.
If you’re juggling multiple cards or want to boost your rewards game further, consider letting Kudos help. Kudos is a free browser extension and app that optimizes your credit card rewards automatically – it tells you which card to use for each purchase to earn the most points, and keeps track of all your rewards in one place. It’s like having a personal rewards advisor.
Try Kudos to ensure you’re always earning miles as efficiently as possible, so you can build up those Capital One miles even faster toward your next big trip! ✈️ Happy travels, and happy transferring!
(And don’t forget: every mile has the potential to unlock something amazing – use them wisely and you’ll be jet-setting in no time.)
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