Can you pass on your Capital One Miles when you die?
Capital One Miles can pass to the estate after a death. While alive, the account holder can use transfers to a partner program and authorized users.
Protecting Capital One Miles while the account is active
No beneficiary designation, lifetime transfer options for miles, and 7-step plan.
How to protect your Capital One Miles while you are alive →Someone died. Handling Capital One Miles after a death
Miles can be transferred to the estate, 6-step process, and 8 required documents.
What happens to Capital One Miles when someone dies →Capital One Miles are earned on Venture X, Venture, VentureOne, Spark Miles and other Capital One cards. Miles transfer to 18 airline and 4 hotel partners and can be redeemed through the Capital One Travel portal, as a statement credit or check, for gift cards, or at Amazon and PayPal.
Capital One's terms allow Capital One Miles to transfer to the estate after the account holder dies. While the account holder is alive, Capital One allows transfers to a partner program and authorized users.
What happens to Capital One Miles at death
- Transferable to estate
When Capital One learns of the primary account holder's death and there is no secondary account holder, it applies any remaining rewards balance as a credit to the account at the account's standard cash redemption rate.1
Naming who acts after a death
- Designation
There is no way to name a beneficiary for Capital One miles, and Capital One cannot make an authorized user or account manager the primary account holder after a death.2
Other companies and product lines involved7
- Capital One Estates Servicing for Bank Accounts
Capital One deposit accounts, settled with the notarized Letter of Instruction packet3, 4
Mailing address: Capital One, Attn: Bank By Mail - Bank Estate Operations, PO Box 85123, Richmond, VA 23285
- Capital One auto loans
A deceased customer's Capital One auto loan3, 4
Phone: 1-800-946-0332
- Capital One small business bank accounts
A deceased customer's Capital One small business bank accounts3, 4
Phone: 1-888-755-2172
- Discover Beneficiary Care Team, cards and all other accounts
Discover cards other than a Discover by Capital One card, and all other Discover accounts5, 4
Phone: 1-800-347-5519
- Discover Beneficiary Care Team, checking and savings
Discover checking and savings accounts5, 4
Phone: 1-800-975-0162
- Capital One Estate Cares
A separate Capital One estates contact form, not the Estates Servicing submission channel6
Phone: 1-855-234-1142
Hours: Monday-Thursday 7:00 AM-7:00 PM CT; Friday 7:00 AM-5:00 PM CT
Sources6
- 1.Capital One rewards Terms and Conditions (published for a Capital One cash-rewards card program)
- 2.Estates Servicing for Credit Cards
- 3.Estates Servicing for Bank Accounts
- 4.Letter of Instruction (Estates packet for bank accounts, revised 09/19/25)
- 5.Capital One Estates
- 6.Capital One Estate Cares contact form
Capital One publishes its own process for a deceased person's account: Capital One Estates Servicing for Credit Cards; a written request goes by mail to Estates Notification, P.O. Box 30285, Salt Lake City, UT 84130-0285. There is no way to name a beneficiary or successor on a Capital One Miles account.
Sources
Data sourced from Capital One primary sources (9 pages reviewed). How we research.
Capital One Miles customer support
Capital One credit card customer service
Phone
Website
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