With a formidable listing of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One presents alternatives to switch miles to most of the identical precious journey companions as Chase Final Rewards, Citi ThankYou Rewards and American Specific Membership Rewards.
Capital One additionally presents a number of choices for redeeming your miles at mounted charges.
Which choices provides you with one of the best worth?
Listed below are one of the best methods for maximizing your return on Capital One miles.
Restricted-time supply for the Capital One Enterprise Rewards Credit score Card: Take pleasure in $250 to make use of on Capital One Journey in your first cardholder yr, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. (That is equal to $1,000 in journey.)
Associated: Capital One miles: The right way to earn, redeem and switch rewards
The right way to redeem Capital One miles
You may redeem Capital One miles for a hard and fast worth or switch them to airline and resort companions.
Mounted-value rewards
Capital One presents a number of choices for redeeming your miles for a hard and fast worth. Nevertheless, not all choices will present an equal return.
Redeem for latest journey (1 cent per mile): Redeem for journey purchases made within the final 90 days in your Enterprise or Spark card with no minimal redemption quantity. Eligible purchases embody airways, motels, rail traces, automotive rental companies, limousine providers, bus traces, cruise traces, taxicabs, journey brokers and timeshares.E book new journey (1 cent per mile): E book new journey by way of Capital One and redeem your miles, however this could stop you from double-dipping with any rewards program supplied by a web based journey company. Keep in mind that reserving motels by way of a third-party website (together with Capital One) would probably stop you from incomes factors or miles and having fun with relevant elite standing perks with that resort. In consequence, you are probably higher off reserving journey straight after which redeeming miles towards these prices.Redeem for reward playing cards (1 cent per mile)Redeem for a keep at a Premier Assortment resort (1 cent per mile): The Premier Assortment, obtainable solely to Capital One Enterprise X Rewards Credit score Card and Capital One 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 motels when booked by way of this platform.Redeem for Amazon and PayPal purchases (0.8 cents per mile): Hyperlink your Amazon account and your PayPal account.Redeem for money again (0.5 cents per mile): It’s possible you’ll need to keep away from this feature attributable to its low worth.
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The right way to redeem Capital One miles at a hard and fast worth
First, sign up to your Capital One account and click on in your mileage steadiness. 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.
Switch to airline and resort companions
If you would like the next worth on your miles, transferring to companions could also be your finest guess. Choose “Convert rewards” in your account. From right here, you’ll be able to switch your rewards to greater than 15 airline and resort loyalty applications, with these airline choices:
1:1
1:1
1:1
1:1
1:1
1:1
4:3
1:1
4:3
1:1
4:3
5:3
1:1
1:1
1:1
1:1
1:1
1:1
Here is an outline of this system’s resort switch companions:
2:1
1:1
1:2
1:1
Maximizing Capital One’s airline switch companions
In our January 2026 valuations, TPG values Capital One miles at 1.85 cents apiece, because of the worth you will get by transferring to a handful of associate applications.
Air Canada Aeroplan
Air Canada’s loyalty program, Aeroplan, has lengthy been some of the standard choices for reserving Star Alliance awards, particularly in premium cabins.
Candy spots embody United Airways flights below 500 miles in financial system class, beginning at simply 6,000 Aeroplan factors. Or, how about enterprise class to Western Europe from the Northeast beginning at 60,000 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 economy40,000 miles in premium economy60,000 miles in enterprise class
Associated: Is KLM premium financial system price 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 on your Capital One miles, because of its membership within the Oneworld alliance.
Finnair Plus presents home flights anyplace inside the continental U.S. and Canada on Alaska Airways for simply 11,000 Avios and to Hawaii for simply 13,500 Avios in financial system class. Whether or not you are seeking to fly inside the Pacific Northwest or throughout the nation, this may be a superb deal for a lot of hundreds of miles of distance flown, plus minimal charges, taxes and surcharges.
Transferring Capital One miles to motels
Transferring your Capital One miles to Accor Dwell Limitless at a 2:1 ratio might be an interesting possibility in the event you plan on staying at an Accor property, together with one among its higher-end Fairmont motels. 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 $47) low cost in your resort keep. Because you’d have to switch 4,000 Capital One miles to get 2,000 ALL factors, the switch provides you with a barely larger redemption worth (about 1.18 cents per level).
I Favor Resort Rewards is a extra under-the-radar loyalty program, however it may possibly present wonderful worth. Although it does not have as giant a portfolio as a number of the extra well-known manufacturers, you’ll be able to keep at luxurious boutique properties all over the world at a very good deal. For instance, to remain at a fortress in Eire, as an alternative of it costing 50,000 I Favor factors per evening, you would switch simply 25,000 Capital One miles to your I Favor account.
The right way to earn Capital One miles
Listed below are the six Capital One playing cards that earn Capital One miles:
$95
Restricted-time supply: Take pleasure in $250 to make use of on Capital One Journey in your first cardholder yr, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
$395
Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
$395
Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening.
2 miles per greenback spent on purchases, a World Entry/TSA PreCheck utility price credit score (as much as $120 each 4 years), 10,000 annual bonus miles and an annual $300 Capital One Enterprise Journey credit score to make use of by way of the Capital One Enterprise Journey portal
$0
Earn 20,000 bonus miles after spending $500 on purchases within the first three months from account opening.
1.25 miles per greenback spent on all purchases
$0 introductory annual price the primary yr, then $95
Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months from account opening.
2 miles per greenback spent on all purchases
$0
Earn 50,000 bonus miles after spending $4,500 on purchases within 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 for Enterprise 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
Backside line
Capital One miles have grow to be tremendous precious, because of new switch companions and improved switch ratios. Miles switch to most airline companions at a 1:1 ratio, which is phenomenal, contemplating the limited-time welcome supply for the Capital One Enterprise Rewards Credit score Card is 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening. Plus, you may obtain a $250 Capital One Journey credit score to make use of throughout your first yr.
With 15-plus switch companions, Capital One presents some of the versatile transferable currencies. The fantastic thing about Capital One miles lies in combining 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 offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
