Credit Cards

Combine Your Capital One Miles

Written by Dustin

After hitting my spend requirements for my Capital One cards, I was able to combine them to 1 account. It was pretty easy and instant!

A couple of weeks ago, I opened Capital One Venture Miles for Kristin and myself. After hitting the bonuses on both cards, we had an equal stash of 46,007 miles in each account. While I was perfectly happy with that, I found out I could move them to one account. I’ll show you how quick and easy it is, to move your Capital One Miles to 1 account.

Combine Your Capital One Miles

While Capital One might be looked down upon by many in this game, I think they have a valuable place. The most important reason people tell you to stay away from them is the fact they pull from all 3 credit bureaus. I personally think it is not a big deal, but to each their own.

People will be quick to point out the Arrival Plus is better due to the higher bonus. I can agree the bonus is better, but the bonus I give the edge to Capital One on the redemption side. Simply for the fact there isn’t a $100 redemption requirement.

Now, I have even another reason to put Capital One ahead of the Arrival Plus. The fact you can combine your Venture miles to 1 account!

How to Combine your Miles:

I had actually stumbled across this when seeing if my bonus posted.

Step 1

Capital One Miles

Make sure you are logging into the persons account you are transferring the points from. There is only one field, which you will see later.

After you log into your account, you will want to click on your miles balance. This will bring you to the next step.

Step 2

Capital One Miles

After you click on your Miles balance, it will take you to this screen where you can choose a couple of options.

Please do not redeem for cash, as it will be at 50% the value if you were to redeem for travel or gift cards.

You will want to look at the bottom where it says “Other Options.” Click on that button that says Transfer Rewards

Step 3

Capital One Miles

You will need to enter the credit card number and last name of the person you are wanting to transfer the miles too.

I do not believe you need to be an authorized user to do this, because Kristin and I are not authorized users on each others account.

After you fill in the required fields, you will need to select Check Eligibility.

I reached out to Capital One in a chat and asked if there were restrictions, this was the representatives response

Capital One Miles

So if you have a cash back card, you couldn’t transfer to a miles cards, etc. It seems the card needs to be open and in good standing to be eligible, which means families could really stack up Venture miles for paid trips.

Step 4

Capital One Miles

This is the final step before moving your miles. You simply need to enter the amount of miles you wish to transfer.

The transfer was instant to my account, so I’d assume the same would be for you as well.

Why this is Good

I think it is pretty obvious, but the fact you can move all of these miles to one account is a big benefit. There is no need to split transactions or buy separate tickets.

Add this to the fact you can redeem for any amount,  you can definitely use every last mile before closing/downgrading your account.

I think the more interesting take (currently) is the fact you can open and earn the bonus on Capital One cards every 6 months. If you were to cycle through these, you could build a large stash of Capital One Venture Miles. Sure this wont bring about business class travel, but it could easily offset your travel cost. This could be really good for cheap tickets/families who need many seats.

Sure, it pulls from all 3 credit bureaus, but I don’t think it is as big of a deal as it is made to be.


Combining rewards is always great and having them transfer instantly is even better. The fact you can earn a Capital One bonus every 6 months, shows you could really build a nice amount of travel cash back.

If you have family who have Capital One miles, you should be able to combine them to 1 account for an easier redemption.

Have you combined your Capital One Miles before?

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About the author


After completing 6 years of pharmacy school, I finally had the time to travel. I started investigating ways to travel for less and when I redeemed my first award flight for my honeymoon, I knew I was hooked! Fast forward a couple of years and places I had never dreamed of visiting like Budapest, Honolulu, Bermuda and many other places where all within my reach, and for little to no money out of my pocket. Now, I have collected well over a million points and miles, and try to help people travel for less on their wallet.


  • Freeze your EX report and they’ll only pull EQ and TU. I did it recently when applying for my second Spark Cash card.

  • I’ve been waiting to get back under 5/24 with Chase to be able to get Southwest Companion Pass . I’ve been getting Amex and BOA business cards that don’t get counted. I thought I read once that Capital One business cards do count against 5/24 because they do get reported on your personal credit report. Is that true?

    • Hey Larry,

      Too many good cards to wait for Chase to love me again :-). You are correct, Capital One does show on your personal credit report, even if they are biz cards.

      Thanks for reading! I appreciate it!

    • Hey Dave,

      I would believe as long as they are the same currency (Miles) then you’d be able to.

      Thanks for reading! I appreciate it!