How To Combine Chase Points and Capital One Miles

Want to combine your Chase Points and Capital One Miles?

Chase and Capital One are two of the most popular credit card providers in the USA, with almost 40% of cardholders using a card from at least one of the two providers. Both of these banks offer a wide variety of credit cards, serving both complete credit beginners and hardcore point pros! Both Chase and Capital One also have impressive rewards platforms, with Chase using Ultimate Rewards Points and Capital One using Rewards Miles.

While these rewards are great for anyone with just one of the bank’s cards, if you have a credit card from both of these banks, there is almost no way to share your points/miles between the two; if you spend money and earn rewards in one system or the other, those points cannot normally be combined!

This forces many people with both Chase and Capital One travel cards to use either one system or the other in order to maximize their points, often making it harder to get value out of their cards. This is especially a shame since having a combination of cards across the two banks can be extremely advantageous (such as having both the Chase Sapphire Preferred and the Capital One Venture Rewards and Venture X, which work synergetically to give more value).

However, contrary to popular belief, there is actually a method of combining your Chase Ultimate Rewards points and Capital One Miles that allows you to use your points from both reward platforms for a single travel redemption! In this article, we’ll discuss how to go about combining your points/miles so that you can double your rewards.

So, how do you combine your hard-earned Chase Ultimate Rewards points and Capital One Miles for your next travel experience?

By Using Shared Transfer Partners

Have you considered combining your Chase Points and Capital One Miles on a shared transfer partner for your next flight?

Capital One and Chase Bank have a selection of travel partners that overlap between the two banks’ reward platforms. Not only does this mean that you can use your Chase points and Capital One miles for these airlines’ flights, but also that you can essentially combine your rewards across the two platforms for a single reward redemption.

If the concept of a transfer partner/travel partner is new to you, we’ll break it down before jumping into the list:

Every credit card company has a list of “transfer partners,” which are airlines/hotel chains that allow you to use your credit card points to book travel expenses directly with the airline/hotel. Instead of booking your travel through the credit card travel portal itself, you instead transfer your credit card points to the transfer partner’s rewards, converting them to airline miles or hotel points in the process (such as transferring points to Hyatt from Chase or to Delta from American Express). You then simply book your travel through the airline/hotel using the converted airline miles/hotel points! Points typically transfer at a 1:1 ratio with both Chase Ultimate Rewards Points and Capital One Miles, so there's no loss of value when you make the transfer.

Unlike booking through a third-party service where you have to contact the 3rd party if anything goes wrong, booking directly with the airline or hotel (instead of through a credit card portal) means that you have full control over the trip. Additionally, transferring your points to a partner can provide greater value than redeeming them directly through the credit card rewards/travel program, allowing you to get the most out of your points!

Using transfer partners is largely considered to be the best way to redeem your points and miles, as it eliminates the risk and often increases the cent-per-point value of your redemption.

Now that we have the background info out of the way, let’s jump into our guide of the best shared-transfer partners for combining your Chase Ultimate Rewards Points and Capital One Rewards Miles.

The Best Shared Transfer Partners Between Chase and Capital One

1. Air Canada Aeroplan

Air Canada’s Aeroplan rewards platform is one of the best for combining Chase Points and Capital One Miles

One of the best shared-transfer partners between Chase Bank and Capital One is Air Canada’s Aeroplan. If you live in Canada or fly through Canada frequently, there is no doubt you’ve taken an Air Canada flight at some point in your life; Air Canada covers more of Canada’s airspace than almost any other airline.

While Air Canada is obviously extremely useful for flying to/through Canada, not many people know that it is also valuable for traveling from the US to almost anywhere across the globe, as well as for domestic flights within the USA! With Air Canada Aeroplan miles, you can fly to almost anywhere you want to go.

The trick to booking Air Canada flights worldwide is that Air Canada is part of the Star Alliance airline network. By being part of this alliance, Air Canada has contracted agreements across these airlines to code-share their flights and to allow passengers to use Aeroplan miles to book alliance partner airlines. The Star Alliance includes airlines that fly to almost every possible destination: it includes flights that operate within the USA (e.g., United Airlines), airlines that fly to Europe (e.g., Austrian Airlines, Croatia Airlines, Lufthansa), airlines to South America (e.g., CopaAirlines), airlines to Africa (e.g., Ethiopian Airlines), and even airlines that fly to Asia (e.g., ANA, Asiana Airlines, Singapore Airlines). Because of this extreme diversity of airline regionality within the alliance, you can transfer your Chase Points and Capital One Miles together to Air Canada to fly almost anywhere you could possibly want to go!

See below for the full list of airlines currently in the Star Alliance:

The full list of airline members for the Star Alliance. You can book flights across these airlines using almost any member’s miles!

Overall, the flexibility of Air Canada’s Aeroplan miles through the Star Alliance makes it one of the best-shared transfer partners for combining your hard-earned Capital One Miles and Chase Ultimate Rewards Points. As well, there are often bonus mile promotions for transferring your credit card points/miles to Air Canada’s Aeroplan—if you time your point transfer to when one of these promotions is going on, you can get an extra 20% for however many miles you transfer (see below)!

An example of the 20% bonus transfer from Chase Ultimate Rewards to Air Canada’s Aeroplan

Finally, Aeroplan is also a transfer partner of American Express, meaning that if you hold cards from all 3 banks, you can combine all your points/miles across the platform for a massive single redemption! The ability to use your points across a variety of banks to synergetically improve the value of your reward redemptions is one of the coolest parts about being in the credit card points game.

2. Air France/KLM Flying Blue

Air France/KLM’s Flying Blue is an exceptional travel partner of both Chase Bank and Capital One

Another excellent shared transfer partner between Chase Bank and Capital One is Flying Blue, the shared rewards program between KLM and Air France. Flying Blue is one of the best rewards programs to use In order to travel between the USA and Europe, with both Air France and KLM frequently traveling to a wide variety of European destinations from across the domestic USA. These two airlines are particularly good for travel to the Netherlands (via KLM) or France (via Air France), but also cover a large part of western Europe.

Similar to with Air Canada, the value of transferring your points to Flying Blue comes from the program being a partner of an alliance; in this case, Air France and KLM are part of the SkyTeam Alliance. The value here works the same way it did with Air Canada: when you transfer your Chase Points and Capital One Miles to Flying Blue, you can use those points to book flights with airlines across the alliance. Just as with the Star Alliance, the SkyTeam Alliance has coverage of the domestic USA (via Delta Air Lines points transfer), as well as coverage of 6 separate continents (see below for the full list of members in the SkyTeam Alliance).

The full list of member airlines for the SkyTeam Alliance

Summary

Overall, utilizing shared transfer partners between Chase Bank and Capital One is an amazing way to effectively combine your Chase Ultimate Rewards Points and Capital One Rewards Miles to go on rewards trips! By combining your points and miles across banks, you are able to elevate both the value and the flexibility of your points.

As we showcased, Air Canada Aeroplan and KLM/Air France’s FlyingBlue are two of the best shared-transfer partners between Chase and Capital One as they let you take advantage of the two biggest airline alliances out there: Star Alliance and SkyTeam Alliance. By making use of these two alliances, you can book flights with your combined Chase Points and Capital One Miles to travel to almost any destination on Earth. However, while these are the two airlines we’d recommend pooling your points at, they aren’t the only shared transfer partners between these two banks. For a full list of shared transfer partners, see the list below:

The full list of shared transfer partners between Chase Bank and Capital One

We hope this guide was helpful for planning your next travel redemption! Make sure you also know how to combine your Chase and American Express points, as well as our thoughts on the best credit cards for hotel stays.