With a powerful checklist of 15-plus switch companions for choose Enterprise and Spark cardholders, Capital One gives alternatives to switch miles to lots of the identical precious 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 below are the most effective methods for maximizing your return on Capital One miles.
Incomes Capital One miles
Listed below are the six Capital One playing cards that earn Capital One miles:
| Card | Annual price | Welcome provide | Notable perks |
|---|---|---|---|
| Capital One Enterprise Rewards Credit score Card | $95 | Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening. | 2 miles per greenback spent on purchases, no overseas transaction charges and a International Entry/TSA PreCheck software price 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 inside the first three months from account opening. | 2 miles per greenback spent on purchases, no overseas transaction charges, a International Entry/TSA PreCheck software price 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 inside the first three months from account opening.
|
2 miles per greenback spent on purchases, a International Entry/TSA PreCheck software price 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 web site |
| Capital One VentureOne Rewards Credit score Card | $0 | Earn 20,000 bonus miles after spending $500 on purchases inside 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 price the primary yr, then $95 | Earn 50,000 bonus miles after spending $4,500 on purchases inside 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 inside 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: Greatest Capital One bank cards
Methods to redeem Capital One miles
You could have two broad choices for redeeming your Capital One miles: You possibly can redeem them for a fastened worth or switch them to airline and resort companions.
Transferring will often 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.
Mounted-value rewards
Capital One offers a couple of 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
Once you use your miles to pay with Amazon and PayPal, you may get 0.8 cents per mile. You possibly can 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 possibly can redeem for purchases made with airways, motels, rail strains, automobile rental businesses, limousine providers, bus strains, cruise strains, taxi cabs, journey brokers and timeshares.
E book new journey
You possibly can guide new journey by means of Capital One and redeem your miles on the identical worth of 1 cent every, however this is able to stop you from double-dipping with any rewards program provided by a web based journey company. Do not forget that reserving motels by means of a third-party web site (together with Capital One) would seemingly stop you from incomes factors or miles and having fun with relevant elite standing perks. Because of this, you are seemingly higher off reserving journey instantly after which redeeming miles towards these expenses.
Redeem for present playing cards
You need to use your Capital One miles for present playing cards on the identical charge of 1 cent per mile, however since present playing cards can usually be bought on sale, redeeming miles to cowl journey purchases is a greater choice.
Redeem for money again
It is best to do the whole lot attainable 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 resort
The Premier Assortment, obtainable completely 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 motels when booked by means of this platform. If you happen to redeem your miles for a Premier Assortment resort, 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 by means of resort loyalty packages, you may at all times strive including your loyalty quantity earlier than (or at) check-in.
If you happen to do not wish to mess around with transfers, think about redeeming your Capital One miles at a set worth. The method is comparatively straightforward and does not require leaping by means of any hoops.
Methods to redeem Capital One miles at a set worth
First, register 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, 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 charge is 1 cent per mile.
Switch to airline and resort companions
In order for you greater 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 resort loyalty packages.
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 charge 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 companion airline factors or miles per greenback spent, relying on the companion.
Here is an outline of this system’s resort switch companions:
| Program | Switch ratio |
|---|---|
| ALL — Accor Reside Limitless | 2:1 |
| Selection Privileges | 1:1 |
| Wyndham Rewards | 1:1 |
Since Accor Reside Limitless is a revenue-based program, there is not any approach to get outsize worth from these rewards.
Selection Privileges and Wyndham Rewards do provide some stable redemptions, although different resort 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 may redeem your miles for 1 cent every as assertion credit towards any journey buy you have made inside the final 90 days.
So, how do you determine when to switch miles and when to redeem them for journey? For example you are reserving a home flight:
- Price: If you happen to 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 an alternative of transferring them to an airline that might 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 dad or mum firm, Purple Ventures). Once you discover saver-level award area, you need to 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: Once you redeem miles for journey, you may guide 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 take pleasure in 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.
- Think about taxes and costs: All frequent flyer packages will add Transportation Safety Administration taxes, a minimal of $5.60 every means on nonstop, home flights. Nonetheless, some packages 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, because of 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 common 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 overseas companions with award charts that set fastened mileage costs, and Aeroplan is a good choice.
Candy spots embrace flights below 500 miles in size in economic system class for simply 6,000 Aeroplan factors. Or, you may guide transcontinental business-class awards from simply 25,000 factors every means — nicely beneath what United would cost in the event you 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 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 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 would possibly by no means plan to journey to Finland or Northern Europe, however Finnair Plus is a good selection on your Capital One miles, because of its membership within the Oneworld alliance.
Finnair Plus gives home flights wherever inside 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 inside the Pacific Northwest or throughout the nation, this is a superb deal for a lot of 1000’s of miles of distance flown, plus minimal charges, taxes and surcharges.
Transferring Capital One miles to motels
You can too switch Capital One miles to the next three resort loyalty packages:
- Accor Reside Limitless: 2:1 ratio
- Selection Privileges: 1:1 ratio
- Wyndham Rewards: 1:1 ratio
This could possibly be an interesting choice in the event you plan on staying at an Accor property, together with certainly one of its higher-end Fairmont motels. 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 greater 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, Selection Privileges also can present stable worth. This system usually expenses between 6,000 and 35,000 factors for an award night time, although some motels 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 grow to be way more precious over the previous few years, because of 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 provide 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.
With 15-plus switch companions, Capital One gives 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, a number of the advantages could also be offered by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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