Do Chase Ultimate Rewards points expire? Here’s what you need to know
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.
For many of us in the miles and points hobby, Chase Ultimate Rewards points are our favorite flexible rewards. Using Chase points is extremely easy, and a number of the best credit cards for travel earn Chase Ultimate Rewards. We’re often asked, “Do Chase Ultimate Rewards points expire?”
In short, Chase Ultimate Rewards points won’t expire as long as your credit card account stays open. For example, if you earn a welcome bonus from the Chase Sapphire Preferred® Card, and then close the card before using your points, they’ll be gone forever.
That might seem restrictive, but there’s a workaround, which I’ll explain below.
Chase Ultimate Rewards points expiration policy
You will forfeit Chase Ultimate Rewards points if you close your credit card account before using them. The trick to keeping them alive is to pool Chase Ultimate Rewards points into another Chase Ultimate Rewards account.
Let’s say you have both the Ink Business Preferred® Credit Card and Chase Sapphire Preferred cards and you decide you no longer want to pay two annual fees. You can move the Ultimate Rewards you earned with the Ink Business Preferred Credit Card to your Sapphire Preferred account, then close your Ink Business Preferred without losing your points.
Cards that earn Chase Ultimate Rewards points
- Chase Ink Business Preferred Credit Card (top small-business card)
- Chase Sapphire Preferred® Card (best card for beginners)
- Chase Sapphire Reserve® (top premium travel card)
- Chase Ink Business Cash Card
- Chase Ink Business Unlimited Card
- Chase Freedom®
- Chase Freedom Unlimited®
The information for the Chase Freedom has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.
One of my favorite Ultimate Rewards cards is the Chase Sapphire Reserve. For me, Chase’s Ultimate Rewards points policy has never been an issue because I happily keep the card open year after year.
My favorite Chase Sapphire Reserve perks include a credit of up to $300 for travel purchases, which I receive on my cardmember anniversary, and the fact that my Ultimate Rewards points are worth more because I’m a Sapphire Reserve cardholder.
By using the Chase Ultimate Rewards travel portal, I can book flights, hotels and rental cars for less with points linked to my Chase Sapphire Reserve. That’s because points are worth 1.5 cents each when you redeem for travel through the Chase portal.
Chase Sapphire Preferred® CardAPPLY NOW
Chase Sapphire Preferred® Card
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Either $5 or 5% of the amount of each transfer, whichever is greater.
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)