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Maximize Capital One miles: Book travel and redeem...

With a powerful record of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One provides alternatives to transfer miles to lots of the similar precious journey companions as Chase Ultimate Rewards, Citi ThankYou Rewards and American Express Membership Rewards.

Capital One additionally permits you a number of choices to redeem your miles at a set fee.

Listed here are one of the best methods for maximizing your return on Capital One miles.

Incomes Capital One miles

main pool at Wyndham Alltra Cancun
KRISTY TOLLEY/THE POINTS GUY

Listed here are the six Capital One playing cards that earn Capital One miles:

Card Annual payment Welcome supply Notable perks
Capital One Venture Rewards Credit Card $95 Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening. 2 miles per greenback spent on purchases, no foreign transaction fees and a Global Entry/TSA PreCheck utility payment credit score (as much as $120)
Capital One Venture X Rewards Credit Card $395 Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening. 2 miles per greenback spent on purchases, no overseas transaction charges, a World Entry/TSA PreCheck utility payment credit score (as much as $120), extended warranty protection, a Priority Pass Select membership, Capital One Lounge access and 10,000 annual bonus miles
Capital One Venture X Business $395 Earn 150,000 bonus miles after spending $30,000 on purchases throughout the first three months from account opening.

 

2 miles per greenback spent on purchases, a World Entry/TSA PreCheck utility payment credit score (as much as $120), 10,000 annual bonus miles and an annual $300 Capital One Journey credit score to make use of via Capital One’s journey reserving web site
Capital One VentureOne Rewards Credit Card $0 Earn 20,000 bonus miles after spending $500 on purchases throughout the first three months from account opening. 1.25 miles per greenback spent on all purchases
Capital One Spark Miles for Business $0 introductory annual payment the primary yr, then $95 Earn 50,000 bonus miles after spending $4,500 on purchases throughout the first three months from account opening. 2 miles per greenback spent on all purchases
Capital One Spark Miles Select for Business $0 Earn 50,000 miles after spending $4,500 on purchases throughout the first three months from account opening. 1.5 miles per greenback spent on all purchases and free worker playing cards

The knowledge for the Capital One Spark Miles Choose has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Best Capital One credit cards

redeem Capital One miles

Virgin Atlantic A330-900neo Upper Class cabin
ZACH GRIFF/THE POINTS GUY

You may have two broad choices for redeeming your Capital One miles: You may redeem them for a fixed value or transfer them to airline and lodge companions.

Transferring will normally get you a greater worth. Nonetheless, the power to combine and match redemptions to fit your journey wants offers Capital One a singular edge over the competitors.

Mounted-value rewards

Capital One offers a couple of choices for getting a fixed-value return whenever you redeem your miles. Nonetheless, not all choices will present an equal return.

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Redeem for Amazon and PayPal purchases

If you use your miles to pay with Amazon and PayPal, you may get 0.8 cents per mile. You may hyperlink your Amazon account here and your PayPal account here.

Redeem for current journey

You should use your miles to redeem for current eligible journey purchases made within the final 90 days in your Enterprise or Spark card at a set fee of 1 cent every. There isn’t any minimal redemption quantity. You may redeem for purchases made with airways, resorts, rail traces, automotive rental companies, limousine providers, bus traces, cruise traces, taxi cabs, journey brokers and timeshares.

E-book new journey

You may ebook new journey via Capital One and redeem your miles on the similar worth of 1 cent every, however this could stop you from double-dipping with any rewards program provided by an internet journey company. Keep in mind that reserving resorts via a third-party web site (together with Capital One) would probably stop you from incomes factors or miles and having fun with relevant elite standing perks. In consequence, you are probably higher off reserving journey straight after which redeeming miles towards these fees.

Redeem for reward playing cards

You should use your Capital One miles for reward playing cards on the similar fee of 1 cent per mile, however since reward playing cards can typically be bought on sale, redeeming miles to cowl journey purchases is a greater possibility.

Redeem for money again

It is best to do all the pieces potential to keep away from this feature, as it’s going to solely present a redemption worth of 0.5 cents per mile.

Redeem for a keep at a Premier Assortment lodge

The Premier Collection, obtainable solely to Enterprise X and Enterprise X Enterprise cardholders, offers premium perks like room upgrades, free breakfast, early check-in, late checkout and a $100 on-property credit score at boutique and luxurious resorts when booked via this platform. When you redeem your miles for a Premier Assortment lodge, you may get simply 1 cent per mile, although the on-property perks might make for a greater redemption. Whereas Capital One does not assure you may earn factors and standing qualification via lodge loyalty packages, you’ll be able to all the time strive including your loyalty quantity earlier than (or at) check-in.

When you do not need to mess around with transfers, take into account redeeming your Capital One miles at a set worth. The method is comparatively straightforward and does not require leaping via any hoops.

redeem Capital One miles at a set worth

First, check in to your Capital One account and click on in your mileage steadiness. There, you may see a number of fixed-value redemption choices — you should use your miles for journey, reward playing cards, money, Amazon, PayPal and experiences, or switch them to a different account.

Redeeming Capital One miles
CAPITAL ONE

When redeeming miles for journey, you’ll be able to both ebook new journey or use the miles as an announcement credit score in opposition to earlier journey purchases. No matter your route, the redemption fee is 1 cent per mile.

Switch to airline and lodge companions

If you need larger worth to your miles, transferring to companions could also be your greatest guess. Choose “Convert rewards” in your account. From right here, you’ll be able to switch your rewards to greater than 15 airline and lodge loyalty packages.

Capital One transfer partners
CAPITAL ONE

Here is an outline of this system’s airline switch companions, most of which have a 1:1 switch ratio.

Program Switch ratio
Aeromexico Rewards 1:1
Air Canada Aeroplan 1:1
Air France-KLM Flying Blue 1:1
Avianca LifeMiles 1:1
British Airways Membership 1:1
Cathay Pacific Cathay 1:1
Emirates Skywards 1:1
Etihad Visitor 1:1
EVA Air Infinity MileageLands 2:1.5
Finnair Plus 1:1
JetBlue TrueBlue 5:3
Qantas Frequent Flyer 1:1
Singapore KrisFlyer 1:1
TAP Miles&Go 1:1
Turkish Airways Miles&Smiles 1:1
Virgin Purple 1:1

Given the incomes fee of two miles per greenback spent on the Spark and Enterprise playing cards, you’ll be able to successfully consider them as normally incomes 1.5 or 2 companion airline factors or miles per greenback spent, relying on the companion.

Here is an outline of this system’s lodge switch companions:

Program Switch ratio
ALL — Accor Reside Limitless 2:1
Alternative Privileges 1:1
Wyndham Rewards 1:1

Since Accor Live Limitless is a revenue-based program, there is no solution to get outsize worth from these rewards.

Choice Privileges and Wyndham Rewards do supply some strong redemptions, although different lodge packages tend to be more rewarding.

Redeeming miles for journey vs. transferring to airways

American Airlines, United, Alaska and JetBlue planes at LA, March 2019 (Photo by Alberto Riva/TPG)
ALBERTO RIVA/THE POINTS GUY

Capital One’s Enterprise and Spark playing cards have all the time allowed cardholders to redeem miles for journey; you’ll be able to redeem your miles for 1 cent every as assertion credit towards any journey buy you have made throughout the final 90 days.

So, how do you determine when to switch miles and when to redeem them for journey? For instance you are reserving a home flight:

Maximizing Capital One’s airline switch companions

Air Canada 787 business class cabin
BEN SMITHSON/THE POINTS GUY

In our August 2025 valuations, TPG values Capital One miles at 1.85 cents apiece, due to the worth you may get by transferring to a handful of companion packages.

Air Canada Aeroplan

Air Canada’s loyalty program, Aeroplan, has lengthy been probably the most standard choices for reserving Star Alliance awards, particularly in premium cabins. After United switched to dynamic award pricing, it has been extra vital than ever to leverage overseas companions with award charts that set mounted mileage costs, and Aeroplan is a great option.

Candy spots embrace flights below 500 miles in size in financial system class for simply 6,000 Aeroplan factors. Or, you’ll be able to ebook transcontinental business-class awards from simply 25,000 factors every means — properly under what United would cost in case you booked via its United MileagePlus program.

How about enterprise class to Western Europe from the Northeast from simply 60,000 Aeroplan factors?

Moreover, you’ll be able to book Emirates award tickets using Aeroplan points.

Air France-KLM Flying Blue

Flying Blue provides flights to Europe on Air France or KLM, no matter origin or vacation spot (together with connections), from as little as:

  • 25,000 miles in financial system
  • 40,000 miles in premium financial system
  • 60,000 miles in enterprise class

Associated: Is KLM premium economy worth it on the 787 Dreamliner?

Finnair Plus

You would possibly by no means plan to journey to Finland or Northern Europe, however Finnair Plus is a superb alternative to your Capital One miles, due to its membership within the Oneworld alliance.

Finnair Plus provides home flights anyplace throughout the continental U.S. and Canada for simply 11,000 Avios when flying Alaska Airways in financial system class. Whether or not you are seeking to fly throughout the Pacific Northwest or throughout the nation, this is a wonderful deal for a lot of 1000’s of miles of distance flown, plus minimal charges, taxes and surcharges.

Transferring Capital One miles to resorts

Hotel lobby staircase
ACCOR

You may as well switch Capital One miles to the next three lodge loyalty packages:

  • Accor Reside Limitless: 2:1 ratio
  • Alternative Privileges: 1:1 ratio
  • Wyndham Rewards: 1:1 ratio

This might be an interesting possibility in case you plan on staying at an Accor property, together with one among its higher-end Fairmont resorts. This system makes use of a fixed-value redemption scheme the place you’ll be able to redeem 2,000 factors for a 40-euro (about $42) low cost in your lodge keep. Because you’d must switch 4,000 Capital One miles to get 2,000 ALL factors, transferring factors will provide you with a barely larger redemption worth (1.05 cents apiece).

In our August 2025 valuations, we worth Wyndham factors at 1.1 cents apiece, although following our information would possibly end in a greater redemption.

In the meantime, Alternative Privileges may also present strong worth. This system typically fees between 6,000 and 35,000 factors for an award evening, although some resorts can price up to 87,000 points per night. You normally will not get nice worth to your factors when redeeming at these excessive level prices.

Backside line

Capital One miles have turn out to be way more precious over the previous few years, due to new switch companions and improved switch ratios. Miles switch to nearly all airline companions at a 1:1 ratio, which is phenomenal, contemplating the welcome supply for the Capital One Venture Rewards Credit Card is 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.

With 15-plus switch companions, Capital One provides probably the most versatile transferable currencies. The fantastic thing about Capital One miles comes from the power to mix switch companion redemptions with fixed-value redemptions to fit your journey wants.

For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

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