With a powerful record of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One presents alternatives to switch miles to lots of the identical beneficial journey companions as Chase Final Rewards, Citi ThankYou Rewards and American Specific Membership Rewards.
Capital One additionally permits you a number of choices to redeem your miles at a hard and fast price.
Listed here are the very best methods for maximizing your return on Capital One miles.
Incomes Capital One miles
Listed here are the six Capital One playing cards that earn Capital One miles:
| Card | Annual payment | Welcome supply | Notable perks |
|---|---|---|---|
| Capital One Enterprise Rewards Credit score 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 overseas transaction charges and a World Entry/TSA PreCheck utility payment credit score (as much as $120) |
| Capital One Enterprise X Rewards Credit score 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), prolonged guarantee safety, a Precedence Go Choose membership, Capital One Lounge entry and 10,000 annual bonus miles |
| Capital One Enterprise X Enterprise | $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 by means of Capital One’s journey reserving website |
| Capital One VentureOne Rewards Credit score 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 Enterprise | $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 Choose for Enterprise | $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 data 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 supplied by the cardboard issuer.
Associated: Finest Capital One bank cards
Learn how to redeem Capital One miles
You will have two broad choices for redeeming your Capital One miles: You’ll be able to redeem them for a mounted worth or switch them to airline and lodge companions.
Transferring will often get you a greater worth. Nonetheless, the flexibility to combine and match redemptions to fit your journey wants provides Capital One a novel edge over the competitors.
Fastened-value rewards
Capital One supplies just a few choices for getting a fixed-value return if you redeem your miles. Nonetheless, not all choices will present an equal return.
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Redeem for Amazon and PayPal purchases
Whenever you use your miles to pay with Amazon and PayPal, you may get 0.8 cents per mile. You’ll be able to hyperlink your Amazon account right here and your PayPal account right here.
Redeem for current journey
You need to use your miles to redeem for current eligible journey purchases made within the final 90 days in your Enterprise or Spark card at a hard and fast price of 1 cent every. There isn’t any minimal redemption quantity. You’ll be able to redeem for purchases made with airways, resorts, rail traces, automotive rental companies, limousine providers, bus traces, cruise traces, taxi cabs, journey brokers and timeshares.
Ebook new journey
You’ll be able to guide new journey by means of Capital One and redeem your miles on the identical worth of 1 cent every, however this may forestall you from double-dipping with any rewards program provided by a web based journey company. Keep in mind that reserving resorts by means of a third-party website (together with Capital One) would probably forestall you from incomes factors or miles and having fun with relevant elite standing perks. In consequence, you are probably higher off reserving journey instantly after which redeeming miles towards these fees.
Redeem for present playing cards
You need to use your Capital One miles for present playing cards on the identical price of 1 cent per mile, however since present playing cards can typically be bought on sale, redeeming miles to cowl journey purchases is a greater possibility.
Redeem for money again
You must do all the things potential to keep away from this feature, as it’ll solely present a redemption worth of 0.5 cents per mile.
Redeem for a keep at a Premier Assortment lodge
The Premier Assortment, out there solely to Enterprise X and Enterprise X Enterprise cardholders, supplies 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 by means of this platform. If you happen to 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 by means of lodge loyalty applications, you may all the time strive including your loyalty quantity earlier than (or at) check-in.
If you happen to do not wish to mess around with transfers, take into account redeeming your Capital One miles at a hard and fast worth. The method is comparatively simple and does not require leaping by means of any hoops.
Learn how to redeem Capital One miles at a hard and fast worth
First, register 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, present playing cards, money, Amazon, PayPal and experiences, or switch them to a different account.
When redeeming miles for journey, you may both guide new journey or use the miles as a press release credit score in opposition to earlier journey purchases. No matter your route, the redemption price is 1 cent per mile.
Switch to airline and lodge companions
If you would like larger worth on your miles, transferring to companions could also be your finest wager. Choose “Convert rewards” in your account. From right here, you may switch your rewards to greater than 15 airline and lodge loyalty applications.
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 price of two miles per greenback spent on the Spark and Enterprise playing cards, you may successfully consider them as often incomes 1.5 or 2 associate airline factors or miles per greenback spent, relying on the associate.
Here is an outline of this system’s lodge switch companions:
| Program | Switch ratio |
|---|---|
| ALL — Accor Dwell Limitless | 2:1 |
| Alternative Privileges | 1:1 |
| Wyndham Rewards | 1:1 |
Since Accor Dwell Limitless is a revenue-based program, there is no option to get outsize worth from these rewards.
Alternative Privileges and Wyndham Rewards do supply some stable redemptions, although different lodge applications are usually extra rewarding.
Redeeming miles for journey vs. transferring to airways
Capital One’s Enterprise and Spark playing cards have all the time allowed cardholders to redeem miles for journey; you may redeem your miles for 1 cent every as assertion credit towards any journey buy you’ve got made throughout the final 90 days.
So, how do you resolve when to switch miles and when to redeem them for journey? To illustrate you are reserving a home flight:
- Price: If you happen to discover any home fares for $120 or much less round-trip, it is in all probability finest to redeem miles for journey as a press release credit score as an alternative of transferring them to an airline that may cost 12,000 miles for a similar ticket.
- Award availability: Subsequent, search for award availability on the lowest mileage ranges utilizing the key home carriers’ web sites (American Airways, Delta Air Traces and United Airways) or ExpertFlyer (owned by TPG’s mum or dad firm, Purple Ventures). Whenever you discover saver-level award house, you should use the chart above to see what number of Capital One miles you may have to switch to the airline.
- Think about mileage incomes and improve alternatives: Whenever you redeem miles for journey, you may guide tickets as you usually do. Which means you may earn miles from the flight and credit score towards elite standing. If you happen to presently maintain airline elite standing, it is best to nonetheless get pleasure from all of your elite standing advantages, together with being eligible for upgrades. You might not obtain these advantages when transferring your Capital One miles to a associate.
- Contemplate taxes and charges: All frequent flyer applications will add Transportation Safety Administration taxes, a minimal of $5.60 every method on nonstop, home flights. Nonetheless, some applications tack on hefty surcharges on prime of that.
Maximizing Capital One’s airline switch companions
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 associate applications.
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 good possibility.
Candy spots embody flights underneath 500 miles in size in financial system class for simply 6,000 Aeroplan factors. Or, you may guide transcontinental business-class awards from simply 25,000 factors every method — nicely under what United would cost for those who booked by means of its United MileagePlus program.
How about enterprise class to Western Europe from the Northeast from simply 60,000 Aeroplan factors?
Moreover, you may guide Emirates award tickets utilizing Aeroplan factors.
Air France-KLM Flying Blue
Flying Blue presents 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 financial system value 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 good alternative on your Capital One miles, due to its membership within the Oneworld alliance.
Finnair Plus presents home flights wherever 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 trying to fly throughout the Pacific Northwest or throughout the nation, this is a superb deal for a lot of hundreds of miles of distance flown, plus minimal charges, taxes and surcharges.
Transferring Capital One miles to resorts
You may as well switch Capital One miles to the next three lodge loyalty applications:
- Accor Dwell Limitless: 2:1 ratio
- Alternative Privileges: 1:1 ratio
- Wyndham Rewards: 1:1 ratio
This might be an interesting possibility for those who plan on staying at an Accor property, together with one in every of its higher-end Fairmont resorts. This system makes use of a fixed-value redemption scheme the place you may redeem 2,000 factors for a 40-euro (about $42) low cost in your lodge keep. Because you’d have to switch 4,000 Capital One miles to get 2,000 ALL factors, transferring factors provides 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 lead to a greater redemption.
In the meantime, Alternative Privileges may also present stable worth. This system usually fees between 6,000 and 35,000 factors for an award night time, although some resorts can value as much as 87,000 factors per night time. You often will not get nice worth on your factors when redeeming at these excessive level prices.
Backside line
Capital One miles have turn into far more beneficial over the previous few years, due to new switch companions and improved switch ratios. Miles switch to virtually all airline companions at a 1:1 ratio, which is phenomenal, contemplating the welcome supply for the Capital One Enterprise Rewards Credit score 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 presents probably the most versatile transferable currencies. The great thing about Capital One miles comes from the flexibility to mix switch associate redemptions with fixed-value redemptions to fit your journey wants.
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
