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For many of us in the miles and points hobby, Chase Ultimate Rewards points are our favorite flexible rewards to earn and use. A number of the best credit cards for travel earn Chase Ultimate Rewards, so we are 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 transfer the Ultimate Rewards points to another Ultimate Rewards account.
Let’s say you have both the Ink Business Preferred 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 to your Sapphire Preferred account, then close your Ink Business Preferred without losing your points.
Another method is to transfer your Ultimate Rewards points to one of Chase’s travel partners, like Hyatt or United Airlines, before closing your credit card.
Cards that earn Chase Ultimate Rewards points
- Chase Ink Business Preferred℠ Card (top small-business card)
- Chase Sapphire Preferred® (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®
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.