What was once a simple travel rewards program thanks to the popular *capital one venture card* has become a jack-of-all-trades, appealing to everyone from beginner travelers to seasoned points and miles experts.
The list of Capital One's transfer partners has improved and grown, giving travelers a way to maximize their miles by sending them to partner airlines and hotel chains. And a few years back, they planted the flag in the premium travel card market with the release of the *venture x*. That's put Capital One on par with the likes of American Express and Chase.
But Capital One does them one better: The company gives you the almost-unparalleled ability to transfer Capital One miles between accounts – and not just between your own cards, but even combine them between friends and family members.
So how can you do it? How do you combine miles with other members – or between your own Capital One cards? We'll answer all these questions to help you understand exactly what is possible with your Capital One miles.
Related reading: The Best Ways to Use Capital One Miles
How to Combine Capital One Miles Between Your Cards
Throughout the Capital One ecosystem of points, there used to be two different currencies: Capital One Venture Miles and Capital One Spark Miles. Thankfully, the bank has dropped those monickers in favor or simply calling them Capital One miles.
Still, you might sometimes hear them referred to as Venture Miles or Spark Miles. Just know they're the same thing.
Whatever you've got, the process to combine Capital One miles between accounts couldn't be easier. To get started, simply head to your Capital One online account and click on “Redeem” under the “Explore Rewards” block.
From here, you'll select the “Move Rewards” option, which allows you to transfer Capital One miles from one of your credit card accounts to another.
If you have more than one account that earns Capital One miles, you will be presented with a drop-down list of accounts you want to transfer miles to. Once you select your accounts, you'll be asked how many miles you want to transfer. You'll have the ability to transfer all of the miles or just some of the miles in your account.
Once you set up the transfer, the miles should be in the destination account instantly.
Can You Combine Miles Between the Venture and Venture X Cards?
If you already have a credit card that earns Capital One miles, like the *capital one venture card*, you can easily combine the miles with a new account, like the *venture x*. You'll use the exact same method laid out above.
Doing so is a great way to keep your miles intact if you decide to close an older card with a balance of miles.
For example, if you currently have the Capital One Venture Card with 60,000 miles and decide to open the Venture X Card, you can easily transfer those 60,000 miles over to the Venture X card before closing (or downgrading) your older Venture Card.
Related Reading: Already Got a Venture Card? Check Out the Capital One Venture X
Can You Combine Cash Back With Miles?
Think of the Capital One Savor Rewards Credit Card as the cash back equivalent of the Capital One Venture Card. It earns 4% cash back on dining, entertainment, and streaming services, 3% cash back at grocery stores, and 1% back on all other purchases. The card has a $95 annual fee.
Then there's the no-annual-fee cap1_savor which earns 3% cash back on dining, entertainment, streaming services, grocery stores (excluding superstores like Walmart® and Target®), and 1% back on all other purchases.
If you hold one of these cards alongside a card that earns Capital One miles, you can turn your cash back into miles: 1 cent gets you 1 mile. So if you have $500 of cash back, you could turn it into into 50,000 Capital One miles, then use them to book travel. To do so, use the same “Move Rewards” function outlined above.
Both cards make a great companion card to either the Venture or Venture X cards as you can use the Savor cards in categories that earn increased cash back and then ultimately turn them into miles.
One of the best things about Capital One miles is how flexible they are. While the other big banks restrict who you can send points to – or block it altogether – Capital One miles can be easily shared with any other cardholders.
There's no limit on the number of miles you can transfer or receiver from another cardholders. There's not even a requirement that the person you are sharing miles with is related or lives at your address, as is the case when combining Chase points.
Here are the basics of sharing Capital One miles with another cardholder:
- You can transfer Capital One miles to other members as long as they have a credit card that earns Capital One miles
- There is no requirement that the person you are transferring miles to lives at the same address or is related to you in any way.
- There is no cap on the number of miles that can be shared with other Capital One cardholders.
- There are no expiration dates or other major restrictions on miles that are transferred to other cardholders.
That's more generous than any other major bank makes it to share points.
To make these transfers, you will need to call the number on the back of your Capital One Card. There isn't a way to do this in your online account currently. You'll just need the name and card number of the person's account you are transferring to.
How Does This Policy Stack Up Against Other Banks?
It doesn't get any better than this.
When it comes to transferable points currencies like Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Points, and Capital One miles, Capital One has the most generous policy about combining points with other cardmembers and it isn't particularly close.
- American Express doesn't allow you to combine Membership Rewards points with other members in any fashion, though you can transfer Amex points to an authorized user's frequent flyer or hotel loyalty account.
- Chase allows you to transfer Ultimate Rewards points to other members of your household, so long as they share the same billing address on their Chase account.
- Citi allows you to transfer ThankYou points to any other person who also holds a card that earns ThankYou points. But there's major a catch: Once the points are transferred from one ThankYou account to another, they will expire in 90 days – and there is nothing you can do to extend the expiration date. That means it's only a good idea to transfer when you're about to use those points for a redemption.
Read more: Can You Transfer Credit Card Points to Another Person's Account?
Bottom Line
Capital One makes it easy to combine and share Capital One miles. That's true whether you are looking to combine all of your points and cash back across your own accounts, or if you want to combine or share miles with a family member or friend.
They have the most generous policy across all the banks with transferable points currencies – and it isn't particularly close.
Learn more about the *venture x*.
Can you transfer capital one Walmart rewards points/cash to venture x?
As far as I know, that’s not possible.
It doesn’t appear that this is possible anymore?
Hey Adam, which part specifically? I just sent points to another Venture X cardmember last week and it worked like it always does.
You are right no longer an option
Can I transfer SavorOne points to another persons Venture account?
I think that is possible, but call Capital One and let us know what you find out.
Can you transfer Cap 1 miles to the SPOUSES’s Turkish Airlines account? The spouse is an authorized user but does not have any Cap 1 credit cards on his own… You can easily do such transfers with Chase (not to TK but other airline programs).
Unfortunately, no – you cannot transfer to another person’s frequent flyer account.
You left out the biggest drawback, and one that is not shared by Chase. You cannot transfer Capital One miles to someone who shares your account. For example if you have a “household” Capital One with two account holders on the same account you cannot share points. The points are all in the primary account holder’s name. Chase allows you to share points between spouses who are on the same account, for example. This recently became a huge problem after I had booked award space for my husband and went to book my own using Capital One miles only to find out that I could not use those points. I had to open another Capital One card in order to do it. At the time, Capital One told me it had to be another Venture X card, so I was out the annual fee on that too.
Can I transfer my cash back to my husband’s mile account?
my Cash back account —> my husband’s Mile account
Hi Lynn. Yes, this should be possible. You’ll need to call Capital One to complete it.