How To Combine Points From Two Banks To Book An Award

Since we started writing Your Mileage May Vary, several of our friends have started collecting points and miles. I feel a level of satisfaction when they’re able to go on that first award trip, partially because of our help. Just like any mentor, occasionally we’ll get a question about a topic where we don’t know the answer. While I could just say that I really don’t know about that, I like to use these situations to learn about things I hadn’t focused on before. Such was a question about how to combine points from two different bank programs.

While the answer may seem obvious if you’ve been collecting points and miles for a while, for someone just starting out this can be very confusing.

One advantage of earning transferrable/flexible points is the ability to transfer the points to any of the bank’s partner programs. You keep your points with the bank program until you want to transfer them to whichever program has the award you want to book available. If you have points in two different programs, there’s a new set of problems you need to know about.

Each bank has its own list of transfer partners.

I’ll use the question my friend asked me as an example. He has Capital One points earned with his Venture card. He was looking to get a new card for his business and asked about the Chase Ink Preferred, which is currently offering an 80,000 point sign up bonus.

He was looking to earn points that could help him book two seats to Tokyo next year and was wondering if he would be able to transfer points to an airline, like ANA, with these miles.

I was glad to see that he had a goal in mind and was working on a plan to meet that goal. Already having those things makes answering a question so much easier instead of when someone asks “What’s the best card for me?,” with no idea of how they’re going to use the miles they’ll earn.

I let my friend know that up until recently, I didn’t follow Capital One. Points earned with their cards were only good for cash back on travel expenses. That was, until early 2019 when Capital One began to let you transfer points from some of their cards (Venture personal and Spark Miles business cards) to these fifteen partners:

  • Aeromexico (Club Premier)
  • Air France/KLM (Flying Blue)
  • Air Canada (Aeroplan)
  • Alitalia (MilleMiglia)
  • Avianca (LifeMiles)
  • Cathay Pacific (Asia Miles)
  • Emirates (Skyrewards)
  • Etihad (Etihad Guest)
  • EVA Air (Infinity MileageLands)
  • Finnair (Finnair Plus)
  • Hainan Airlines (Fortune Wings Club)
  • JetBlue (TrueBlue)
  • Qantas (Qantas Frequent Flyer)
  • Qatar (Privilege Club)
  • Singapore Airlines (KrisFlyer)

When you transfer 1,000 Capital One miles to a partner, you’ll receive 750 miles in the partner program(except for Emirates, JetBlue and Singapore, where 1000 Capital One miles gives you 500 miles). That’s not a great ratio but it’s way more than Capital One miles were worth before and since you earn 2 miles for every dollar spent on some Capital One cards, you’ll get 1.5 miles per dollar you spend, which is decent for non-bonused spending.

Now that I was familiar with Capital One’s partners, I needed to take a look at Chase. Since my friends wanted to combine points from Capital One and Chase to book a trip, I needed to see which programs were partners with both banks. Here’s the list of Chase’s airline partners:

  • AerLingus AerClub
  • British Airways Executive Club
  • Flying Blue AIR FRANCE KLM
  • JetBlue TrueBlue
  • Iberia Plus
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club

There are three airlines that partner with both banks: JetBlue, Flying Blue (KLM/Air France) and Singapore. JetBlue isn’t going to be much help booking a flight to Tokyo, but the other two programs have definite possibilities. He wouldn’t be flying on either Air France or KLM  but he’d book a flight through their programs for one of their partners.

Air France/KLM (Flying Blue)

Flying Blue has several airline partners that would be useful to get to Japan:

  • Delta
  • Japan Airlines
  • Korean Air
  • China Airlines


You can also use Flying Blue miles to book flights on China Eastern and China Southern but those would be last resorts if nothing else is available.

The Flying Blue program doesn’t publish an award chart so the number of miles needed for flights can vary.

Singapore Airlines (KrisFlyer)

Singapore Airlines is a member of the Star Alliance and they offer a flight from Los Angeles to Tokyo as a 5th freedom route (the plane continues onward to Singapore from Tokyo). They have several partner airlines that are useful for getting to Japan with KrisFlyer miles

  • ANA
  • Asiana
  • EVA Airways
  • United Airlines


KrisFlyer has an award chart for Star Alliance redemptions. A round trip ticket from North America to Japan (North Asia 2) costs 90,000 miles in economy, 175,000 miles in business class and 200,000 miles in first class.

The downside of looking at Singapore Airlines is the poor transfer ratio of miles from Capital One to KrisFlyer (1000:500) and their rather expensive Star Alliance award chart.

Final Thoughts

Capital One’s list of airline partners includes some programs unfamiliar to US travelers. There are still some great options available and now that you can combine the points earned with Capital One cards with other flexible point currencies, it becomes easier to save up for the dream trip you’ve been planning.

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This post first appeared on Your Mileage May Vary

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