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Program Comparison

Chase Ultimate Rewards vs Capital One Miles

A detailed comparison of Chase Ultimate Rewards and Capital One Miles to help you decide which loyalty program is the best fit for your travel needs.

Chase Ultimate Rewards

Chase

Capital One Miles

Capital One

None
Alliance
None
points
Currency
miles
1-5x points per $1 depending on card and category. Requires Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred for transfer access
Earn Rate
1-10x miles per $1 depending on card and category. Earned through Venture X, Venture, and SavorOne cards
1.8¢ per point
Avg Value
1.5¢ per mile
None
Elite Tiers
None
Points do not expire while at least one UR-earning card is open. 30 days to use or transfer points after closing your last UR card
Expiration
Miles do not expire while the Capital One account remains open
United MileagePlus, Southwest Rapid Rewards, British Airways Avios, Air France FlyingBlue, Singapore KrisFlyer, Aer Lingus AerClub, Air Canada Aeroplan, Iberia Plus, JetBlue TrueBlue, Virgin Atlantic, World of Hyatt, Marriott Bonvoy, IHG One Rewards
Transfer Partners
British Airways Avios, Air France FlyingBlue, Singapore KrisFlyer, Cathay Asia Miles, Air Canada Aeroplan, Emirates Skywards, Etihad Guest, Avianca LifeMiles, Finnair Plus, Qantas, Turkish Airlines, Virgin Atlantic, TAP Portugal, Wyndham Rewards, Choice Privileges, Accor Live Limitless
Flexible travelers who want to transfer points to multiple airline and hotel partners
Best For
Travelers seeking simplicity with strong transfer partners and the 1 cent per mile travel eraser floor

Choose Chase Ultimate Rewards if you...

Flexible travelers who want to transfer points to multiple airline and hotel partners. Chase's transferable points currency with 13 transfer partners (10 airlines, 3 hotels) at 1:1 ratios, earned through Sapphire, Ink, and Freedom cards.

Choose Capital One Miles if you...

Travelers seeking simplicity with strong transfer partners and the 1 cent per mile travel eraser floor. Capital One's transferable miles currency with 21 transfer partners (17 airlines, 4 hotels), earned through Venture X, Venture, and SavorOne cards.

Frequently Asked Questions

Which is better, Chase Ultimate Rewards or Capital One Miles?

It depends on your travel patterns. Chase Ultimate Rewards is best for flexible travelers who want to transfer points to multiple airline and hotel partners. Capital One Miles is best for travelers seeking simplicity with strong transfer partners and the 1 cent per mile travel eraser floor. Consider your home airport, preferred destinations, and how often you travel when choosing.

Do Chase Ultimate Rewards or Capital One Miles miles expire?

Chase Ultimate Rewards: Points do not expire while at least one UR-earning card is open. 30 days to use or transfer points after closing your last UR card. Capital One Miles: Miles do not expire while the Capital One account remains open.

Can I transfer points between Chase Ultimate Rewards and Capital One Miles?

While you can't transfer directly between Chase Ultimate Rewards and Capital One Miles, they share transfer partners through credit card programs, which can serve as a bridge.

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