Capital One Miles, earned through cards like the Capital One Venture X Rewards Credit Card and Capital One Venture Rewards Credit Card, are a valuable flexible currency with numerous airline and hotel transfer partners. Understanding their expiration policy is straightforward.

Capital One Miles Expiration Policy

Capital One keeps it simple: Capital One Miles do not expire as long as your credit card account remains open and in good standing.

  • There is no inactivity requirement to keep your miles valid.
  • Miles earned will remain in your account indefinitely, provided the associated card account is active.

This user-friendly policy means you can accumulate Capital One Miles over the long term without worrying about losing them due to lack of activity.

Account Closure Considerations

The primary way to lose Capital One Miles is by closing your account:

  • Account Closure: If you close your Capital One credit card account, you will forfeit any remaining miles associated with that account.
  • Combining Miles: Unlike some other programs, Capital One generally does not allow combining miles between different card accounts before closure (though you can transfer miles to another person's Capital One Miles account).
  • Product Changes: If you product-change your card to a non-miles-earning Capital One card (e.g., a cashback card), you will likely forfeit your miles.

Before closing a Capital One Miles-earning card, ensure you have redeemed or transferred all your miles. Transferring miles to an airline or hotel partner is often the best way to preserve their value if you plan to close the account.

Official Policy

For the official terms and conditions, refer to Capital One's resources:

As long as your Capital One account stays open, your miles are safe from expiration!

Disclaimer: Program terms are subject to change. Always consult the official Capital One documentation for the latest information. This guide is for informational purposes only.