# Chase vs. Capital One transfers: partners, ratios and award booking By AwardTool | Updated 2026-10-19 Canonical URL: https://www.awardtool.com/learn/chase-vs-capital-one-transfers Chase and Capital One overlap on several international airline programs. Chase lists direct transfers to United and Southwest, while Capital One lists additional international destinations, including JAL. Current issuer directories are more useful for today's rates than carrying forward a dated comparison's partner table. Best for: U.S. travelers comparing Ultimate Rewards and Capital One miles for an award. ## At a glance - Aeroplan, Flying Blue, British Airways and KrisFlyer appear on both issuers' lists. - Capital One publishes multiple conversion ratios, including non-1:1 airline rates. - Chase's direct United access differs from booking a United flight through an international partner. - A travel-portal redemption and a loyalty-program transfer are separate options. [Compare transfer partners](https://www.awardtool.com/transfer-partners) ## Where the direct transfer lists differ Section URL: https://www.awardtool.com/learn/chase-vs-capital-one-transfers#current-lists The table summarizes selected differences from the issuer pages reviewed in October 2026. It avoids treating an airline's alliance as a promise of award availability. | Destination examples | Chase | Capital One | | --- | --- | --- | | Aeroplan / Flying Blue / British Airways / KrisFlyer | Listed | Listed | | United / Southwest / Hyatt | Listed | Not listed in Capital One directory reviewed | | LifeMiles / Asia Miles / Finnair / JAL / Turkish | Not listed in Chase directory reviewed | Listed | | Wyndham | Listed | Listed; verify current conversion | | Virgin | Flying Club listed | Virgin Red listed; account-linking rules matter | [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [Capital One: transfer partners and ratios (January 29, 2026)](https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) ## Capital One miles do not all transfer at the same rate Section URL: https://www.awardtool.com/learn/chase-vs-capital-one-transfers#ratios Capital One's January 2026 explanation distinguishes 1:1 partners from other rates. Its directory lists Emirates, EVA Air and JAL at 2:1.5, and JetBlue at 5:3. Those published differences mean the destination mileage amount alone cannot represent the amount of bank rewards spent. Capital One also requires a minimum balance for a transfer and matching names on the rewards and loyalty accounts. Chase has its own eligible-card requirement and transfer increments. The current account's confirmation screen is the place to check the exact deduction, particularly if a promotion is involved. [Capital One: transfer partners and ratios (January 29, 2026)](https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) ## What recent coverage adds, and what older tables can miss Section URL: https://www.awardtool.com/learn/chase-vs-capital-one-transfers#dated-comparisons Frequent Miler's September 2026 article discusses airline programs accepting several transferable currencies. It helps explain why international-program overlap can matter even when one bank lacks a direct relationship with the operating airline. Older comparison posts can still explain the basic distinction between these currencies, but their partner counts, transfer ratios and temporary offers should not be carried into a current guide unchanged. In particular, current Capital One terms should replace an older table that describes all of its major airline transfers as 1:1. [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) [Capital One: transfer partners and ratios (January 29, 2026)](https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) ## Compare award transfers with the issuer's other travel options Section URL: https://www.awardtool.com/learn/chase-vs-capital-one-transfers#booking-path Capital One describes both transfers and separate ways to redeem rewards for travel bookings or eligible recent travel purchases. Chase likewise offers a travel booking channel in addition to transfers. A portal flight uses that booking channel's price and conditions, rather than the award rules of an airline program. For an award transfer, confirm the itinerary in the receiving loyalty program, check points and cash for all passengers, and read its change and cancellation terms. Neither a shared partner list nor a bank transfer holds seats. Capital One and Chase state that finalized transfers are one-way, so an unavailable award can leave points in the destination program. This comparison concerns how existing rewards can fund a booking. Card fees, earning categories and welcome offers are separate account decisions and are not ranked here. [Capital One: transfer partners and ratios (January 29, 2026)](https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) ## Common questions ### Can Capital One miles go directly to United? United is not listed in the Capital One directory reviewed. A United-operated award offered through a program such as Aeroplan is a different booking path, with that program's availability and terms. ### Is every Capital One transfer 1:1? No. Capital One publishes several different ratios; verify the destination-specific rate before comparing bank rewards costs. ### Can I transfer Capital One miles back after canceling? Capital One states that transferred rewards cannot be returned to the Capital One rewards account. Any canceled award is handled under the receiving program's rules. ## Sources and further reading Sources reviewed 2026-10-19. Publisher dates are shown where available. - [Frequent Miler: programs accepting multiple transferable currencies (September 9, 2026)](https://frequentmiler.com/the-most-promiscuous-airline-programs/) - [Capital One: transfer partners and ratios (January 29, 2026)](https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/) - [Chase: eligible cards, partners, transfer steps and processing](https://www.chase.com/personal/credit-cards/education/basics/how-to-transfer-chase-ultimate-rewards-points) - [Frequent Miler: transferable partner master list (February 12, 2026)](https://frequentmiler.com/transfer-partner-master-list/) ## Before you book Award availability and prices can change. Confirm the exact itinerary, cabin, traveler count, points, and cash total with the loyalty program before transferring points or booking. Search access and limits depend on your plan. [See current plans](https://www.awardtool.com/pro) ## Related guides - [Compare Amex, Chase, Citi, Capital One, Bilt and Wells Fargo transfers](https://www.awardtool.com/learn/compare-bank-transfer-programs) - [Chase vs. Amex transfer partners: airlines, hotels and booking rules](https://www.awardtool.com/learn/chase-vs-amex-transfer-partners) - [How to use transfer partners, points tools, and Live Seat Map](https://www.awardtool.com/learn/points-and-travel-tools)