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What to Do When You Lose Your Chase Ultimate Rewards Points!

What to Do When You Lose Your Chase Ultimate Rewards Points!

Million Mile SecretsWhat to Do When You Lose Your Chase Ultimate Rewards Points!Million Mile Secrets Team

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Million Mile Secrets reader, Juli, writes:

I am so upset and need your advice!

I had 313,000 Chase Ultimate Rewards points.  I cancelled a Chase Ink card, and now my balance is only 130,935.   I thought once you had the points in your Chase Ultimate Rewards bank, they were safe?

I told Chase I would be willing to reinstate the card, or do whatever I needed to do to get the points back.

What do you think I should do?

I am almost sick with the thought of losing ~182,000 Chase Ultimate Rewards points!

So sorry to hear you lost your points Juli!!!  182,000 Chase Ultimate Rewards points are worth at least $1,820, so I understand why you’re upset.  I do have some tips that may help.

What To Do When You Lose Your Chase Ultimate Rewards Points
When Juli Closed Her Chase Ink Account, ~182,000 Chase Ultimate Rewards Points (Worth at Least $1,820) Were Gone! What Happened?

What went wrong and can Juli get her Chase Ultimate Rewards points back?

How Did Juli Lose ~182,000 Chase Ultimate Rewards Points?

Link:   You Can Lose Chase Ultimate Rewards Points When You Cancel Your Card

One of the great things about Chase Ultimate Rewards points is they never expire.  But Chase will take away your points if you close your card that you earned the Chase Ultimate Rewards points with such as:

Personal CardsBusiness Cards
Chase Sapphire ReserveChase Ink Business Preferred
Chase Sapphire PreferredChase Ink Business Cash Credit Card
Chase FreedomChase Ink Bold (No Longer Available to New Applicants)
Chase Freedom UnlimitedChase Ink Plus (No Longer Available to New Applicants)
Chase Sapphire (No Longer Available to New Applicants)
Note: Points earned from the Chase Freedom, Freedom Unlimited, Sapphire, and Ink Business Cash cards can only be transferred to travel partners if you also have a Chase Sapphire Reserve, Sapphire Preferred, Ink Business Preferred, Ink Plus, or Ink Bold card.

This is likely what happened to Juli.  And Juli isn’t alone.  This is a mistake even some of the most experienced in this hobby can make.  Check out Frequent Miler’s post where the same thing happened to him.

What Can She Do Now?

The best thing to do is to get in-touch with Chase right away, by calling the number on the back of your card.  And Juli has already started this process.

What To Do When You Lose Your Chase Ultimate Rewards Points
Give Chase a Call and See If They’re Willing to Reinstate Your Points

Many folks report that Chase was able to return the points to their account.

If calling doesn’t work, other folks have had success with contacting Chase on Twitter.  And Frequent Miler met with a Chase representative who was able to get his points back.

How Can You Avoid Losing Your Chase Ultimate Rewards Points?

The easiest way to make sure you don’t lose your Chase Ultimate Rewards points is to transfer your points to a card you plan to keep.

Here’s how it works:

Step 1 – Sign-In & Check Your Point Balances

Log onto your Chase account and select “Go to Ultimate Rewards.”

What To Do When You Lose Your Chase Ultimate Rewards Points
The Home Page on Your Account Displays the Total Number of Chase Ultimate Rewards Points You Have on All Cards. To See How Many Points You Have on Each Card, Click “Go to Ultimate Rewards.”

Then you’ll see how your Chase Ultimate Rewards points are divided up.

What To Do When You Lose Your Chase Ultimate Rewards Points
Find Out How Many Points You Have With the Credit Card You Intend to Cancel

Step 2 – Click on the Card You Plan to Cancel & Select Combine Points

If there are points in your account, select the card you plan to cancel.  Then click on “Combine Points” from the drop down menu.

What To Do When You Lose Your Chase Ultimate Rewards Points
Click “Combine Points” to Begin the Process of Transferring Your Chase Ultimate Rewards Points to Another Card

3.   Select the Number of Points & Where You Want to Transfer Them

Next, choose the account where your want to transfer your points.

What To Do When You Lose Your Chase Ultimate Rewards Points
Transfer Your Chase Ultimate Rewards Points to a Credit Card You’ll Keep Open

Then enter the number of points you’d like to transfer.

What To Do When You Lose Your Chase Ultimate Rewards Points
Unless You Have Plans to Redeem Some of Your Points, You Should Select “All My Points”

4.   Confirm Your Transfer

You’ll see what your new balances will be after the transfer.

What To Do When You Lose Your Chase Ultimate Rewards Points
Verify the Information Is Correct

Then you’ll get a confirmation page.

What To Do When You Lose Your Chase Ultimate Rewards Points
Your Points Will Be Transferred Instantly

Other ways to prevent losing your Chase Ultimate Rewards points include:

Bottom Line

Folks sometimes forget that if you don’t transfer or redeem your points before you close your Chase Ultimate Rewards card, you’ll lose your points.

And if this mistake happens to you, try getting in-touch with Chase by calling the number on the back of your card, tweeting Chase Support, or dropping by the local branch.  Many folks have been successful in getting Chase to reinstate their points.

Good luck Juli!  I hope you get your points back!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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@Nathan – I’m not sure what happened there. If it was an accident, your best bet is to call Chase and ask if it when through OK.

I redeemed my points for cash back but I accidentally sent it to my card number not the account number, and it went through…. Will it show up in the account still? If not what do I do?

@sechs… I thought the same thing. If you successfully move the points, say from INK to CSP, and they now show in the CSP account, then are they safe if you then cancel the INK?

Congratulations! This post makes no sense.

If “Chase will take away your points if you close your card that you earned the Chase Ultimate Rewards points,” then you can’t save them by moving them to the rewards account of another card that didn’t earn them.

Mistakes happen, I consider myself experienced and just lost all my southwest points. Flew about 20 times with my spouse over the last 2 yrs on a companion pass, not realizing my own points would expire as that’s not considered activity. Darius, any way to get them back? So far calls and email and have had no luck, my account was only inactive for 2 months (thought flying w/ SWA would keep them active, guess not as a companion!

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