With a powerful listing of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One gives alternatives to switch miles to lots of the identical helpful 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 the most effective 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 charge | 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 international transaction charges and a International Entry/TSA PreCheck software charge 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 International Entry/TSA PreCheck software charge 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 International Entry/TSA PreCheck software charge 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 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 charge the primary 12 months, 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
The right way to redeem Capital One miles
You might have two broad choices for redeeming your Capital One miles: You may redeem them for a mounted worth or switch 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 novel edge over the competitors.
Fastened-value rewards
Capital One offers a couple of choices for getting a fixed-value return whenever 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 may get 0.8 cents per mile. You may hyperlink your Amazon account right here and your PayPal account right here.
Redeem for latest journey
You need to use your miles to redeem for latest 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 may redeem for purchases made with airways, inns, rail traces, automobile 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 identical worth of 1 cent every, however this may stop you from double-dipping with any rewards program provided by a web based journey company. Do not forget that reserving inns via a third-party web site (together with Capital One) would doubtless stop you from incomes factors or miles and having fun with relevant elite standing perks. Consequently, you are doubtless higher off reserving journey instantly after which redeeming miles towards these costs.
Redeem for reward playing cards
You need to use your Capital One miles for reward playing cards on the identical charge of 1 cent per mile, however since reward playing cards can usually be bought on sale, redeeming miles to cowl journey purchases is a greater choice.
Redeem for money again
It’s best to do every part potential to keep away from this feature, as it is going to solely present a redemption worth of 0.5 cents per mile.
Redeem for a keep at a Premier Assortment lodge
The Premier Assortment, accessible 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 inns when booked via this platform. Should you redeem your miles for a Premier Assortment lodge, you may get simply 1 cent per mile, although the on-property perks could 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 at all times attempt including your loyalty quantity earlier than (or at) check-in.
Should you do not wish to mess around with transfers, contemplate redeeming your Capital One miles at a set worth. The method is comparatively straightforward and does not require leaping via any hoops.
The right way to redeem Capital One miles at a set worth
First, check in to your Capital One account and click on in your mileage stability. There, you may see a number of fixed-value redemption choices — you need to use your miles for journey, reward playing cards, money, Amazon, PayPal and experiences, or switch them to a different account.
When redeeming miles for journey, you’ll be able to both ebook new journey or use the miles as a press release credit score in opposition to earlier journey purchases. No matter your route, the redemption charge is 1 cent per mile.
Switch to airline and lodge companions
In order for you larger worth on your miles, transferring to companions could also be your finest wager. 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.
Here is an summary 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’ll be able to successfully consider them as normally incomes 1.5 or 2 accomplice airline factors or miles per greenback spent, relying on the accomplice.
Here is an summary 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 Reside Limitless is a revenue-based program, there is no technique to get outsize worth from these rewards.
Alternative Privileges and Wyndham Rewards do supply some strong redemptions, although different lodge packages are typically extra rewarding.
Redeeming miles for journey vs. transferring to airways
Capital One’s Enterprise and Spark playing cards have at all times 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’ve got made throughout the final 90 days.
So, how do you determine when to switch miles and when to redeem them for journey? As an example you are reserving a home flight:
- Value: Should you discover any home fares for $120 or much less round-trip, it is most likely finest to redeem miles for journey as a press release credit score as a substitute of transferring them to an airline that will 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 Strains and United Airways) or ExpertFlyer (owned by TPG’s mother or father 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 may must switch to the airline.
- Think about mileage incomes and improve alternatives: Whenever you redeem miles for journey, you’ll be able to ebook tickets as you usually do. Meaning you’ll be able to earn miles from the flight and credit score towards elite standing. Should you at the moment maintain airline elite standing, you must nonetheless take pleasure in all of your elite standing advantages, together with being eligible for upgrades. Chances are you’ll not obtain these advantages when transferring your Capital One miles to a accomplice.
- Think about taxes and charges: All frequent flyer packages will add Transportation Safety Administration taxes, a minimal of $5.60 every method 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, due to the worth you may get by transferring to a handful of accomplice packages.
Air Canada Aeroplan
Air Canada’s loyalty program, Aeroplan, has lengthy been some of the in style 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 mounted mileage costs, and Aeroplan is a good choice.
Candy spots embrace flights beneath 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 method — effectively beneath what United would cost when 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 ebook Emirates award tickets utilizing Aeroplan factors.
Air France-KLM Flying Blue
Flying Blue gives 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 may 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 gives 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 trying 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 inns
It’s also possible to 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 choice when you plan on staying at an Accor property, together with considered one of its higher-end Fairmont inns. 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 gives you 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 costs between 6,000 and 35,000 factors for an award night time, although some inns can value as much as 87,000 factors per night time. You normally will not get nice worth on your factors when redeeming at these excessive level prices.
Backside line
Capital One miles have grow to be far more helpful 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 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 gives some of the versatile transferable currencies. The fantastic thing about Capital One miles comes from the power to mix switch accomplice 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 will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
