With a formidable checklist of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One provides alternatives to switch miles to most of the similar useful 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 set charge.
Listed here are one of the 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 provide | 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 international transaction charges and a World Entry/TSA PreCheck software 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 international transaction charges, a World Entry/TSA PreCheck software payment credit score (as much as $120), prolonged guarantee safety, a Precedence Cross 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 software 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 Capital One’s journey reserving web site |
| 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 offered by the cardboard issuer.
Associated: Finest Capital One bank cards
Tips on 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 fastened worth or switch them to airline and resort companions.
Transferring will normally 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.
Mounted-value rewards
Capital One supplies just a few choices for getting a fixed-value return once you redeem your miles. Nevertheless, 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 will 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 set charge of 1 cent every. There is no minimal redemption quantity. You’ll be able to redeem for purchases made with airways, lodges, rail strains, automotive rental businesses, limousine providers, bus strains, cruise strains, taxi cabs, journey brokers and timeshares.
Ebook new journey
You’ll be able to ebook new journey by Capital One and redeem your miles on the similar worth of 1 cent every, however this is able to forestall you from double-dipping with any rewards program supplied by an internet journey company. Keep in mind that reserving lodges by a third-party web site (together with Capital One) would possible forestall you from incomes factors or miles and having fun with relevant elite standing perks. Consequently, you are possible higher off reserving journey straight 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 similar charge 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 choice.
Redeem for money again
It’s best to do all the pieces potential to keep away from this selection, as it is going to solely present a redemption worth of 0.5 cents per mile.
Redeem for a keep at a Premier Assortment resort
The Premier Assortment, obtainable completely 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 lodges when booked by this platform. If you happen to redeem your miles for a Premier Assortment resort, you will get simply 1 cent per mile, although the on-property perks might make for a greater redemption. Whereas Capital One would not assure you will earn factors and standing qualification by resort loyalty packages, you may all the time attempt including your loyalty quantity earlier than (or at) check-in.
If you happen to do not wish to mess around with transfers, contemplate redeeming your Capital One miles at a set worth. The method is comparatively straightforward and would not require leaping by any hoops.
Tips on how to redeem Capital One miles at a set worth
First, sign up to your Capital One account and click on in your mileage steadiness. There, you will see a number of fixed-value redemption choices — you need to 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 ebook new journey or use the miles as an announcement credit score towards earlier journey purchases. No matter your route, the redemption charge is 1 cent per mile.
Switch to airline and resort companions
If you would like larger worth on your miles, transferring to companions could also be your finest guess. Choose “Convert rewards” in your account. From right here, you may switch your rewards to greater than 15 airline and resort loyalty packages.
This 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 charge of two miles per greenback spent on the Spark and Enterprise playing cards, you may successfully consider them as normally incomes 1.5 or 2 companion airline factors or miles per greenback spent, relying on the companion.
This is an outline of this system’s resort switch companions:
| Program | Switch ratio |
|---|---|
| ALL — Accor Stay Limitless | 2:1 |
| Alternative Privileges | 1:1 |
| Wyndham Rewards | 1:1 |
Since Accor Stay Limitless is a revenue-based program, there isn’t any technique to get outsize worth from these rewards.
Alternative Privileges and Wyndham Rewards do provide some strong redemptions, although different resort packages 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? As an example you are reserving a home flight:
- Value: 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 an announcement 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 foremost home carriers’ web sites (American Airways, Delta Air Traces and United Airways) or ExpertFlyer (owned by TPG’s father or mother firm, Purple Ventures). Whenever you discover saver-level award house, you need to use the chart above to see what number of Capital One miles you will have to switch to the airline.
- Consider mileage incomes and improve alternatives: Whenever you redeem miles for journey, you may ebook tickets as you usually do. Meaning you may earn miles from the flight and credit score towards elite standing. If you happen to at present maintain airline elite standing, it’s best to nonetheless get pleasure from all of your elite standing advantages, together with being eligible for upgrades. It’s possible you’ll not obtain these advantages when transferring your Capital One miles to a companion.
- Contemplate taxes and costs: All frequent flyer packages will add Transportation Safety Administration taxes, a minimal of $5.60 every manner on nonstop, home flights. Nevertheless, some packages tack on hefty surcharges on high of that.
Maximizing Capital One’s airline switch companions
In our August 2025 valuations, TPG values Capital One miles at 1.85 cents apiece, because of the worth you will get by transferring to a handful of companion packages.
Air Canada Aeroplan
Air Canada’s loyalty program, Aeroplan, has lengthy been probably the most widespread choices for reserving Star Alliance awards, particularly in premium cabins. After United switched to dynamic award pricing, it has been extra necessary than ever to leverage international companions with award charts that set fastened mileage costs, and Aeroplan is a good choice.
Candy spots embody flights underneath 500 miles in size in economic system class for simply 6,000 Aeroplan factors. Or, you may ebook transcontinental business-class awards from simply 25,000 factors every manner — properly under what United would cost if you happen to booked by its United MileagePlus program.
How about enterprise class to Western Europe from the Northeast from simply 60,000 Aeroplan factors?
Moreover, you may ebook Emirates award tickets utilizing Aeroplan factors.
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 economic system
- 40,000 miles in premium economic system
- 60,000 miles in enterprise class
Associated: Is KLM premium economic system price it on the 787 Dreamliner?
Finnair Plus
You may by no means plan to journey to Finland or Northern Europe, however Finnair Plus is a good alternative on your Capital One miles, because of its membership within the Oneworld alliance.
Finnair Plus provides home flights wherever throughout the continental U.S. and Canada for simply 11,000 Avios when flying Alaska Airways in economic system class. Whether or not you are trying to fly throughout the Pacific Northwest or throughout the nation, this is a wonderful deal for a lot of hundreds of miles of distance flown, plus minimal charges, taxes and surcharges.
Transferring Capital One miles to lodges
You can too switch Capital One miles to the next three resort loyalty packages:
- Accor Stay Limitless: 2:1 ratio
- Alternative Privileges: 1:1 ratio
- Wyndham Rewards: 1:1 ratio
This might be an interesting choice if you happen to plan on staying at an Accor property, together with one in every of its higher-end Fairmont lodges. 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 resort keep. Because you’d have to 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 may lead to a greater redemption.
In the meantime, Alternative Privileges also can present strong worth. This system typically fees between 6,000 and 35,000 factors for an award evening, although some lodges can value as much as 87,000 factors per evening. You normally will not get nice worth on your factors when redeeming at these excessive level prices.
Backside line
Capital One miles have develop into far more useful over the previous couple of years, because of 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 provide 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 provides probably the most versatile transferable currencies. The great thing about Capital One miles comes from the flexibility to mix switch companion redemptions with fixed-value redemptions to fit your journey wants.
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
