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Do Chase Ultimate Rewards points expire? Here’s what you need to know

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Do Chase Ultimate Rewards points expire? Here’s what you need to know

Joseph HostetlerDo Chase Ultimate Rewards points expire? Here’s what you need to knowMillion Mile Secrets Team

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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 don’t expire if you keep your card open. (Photo by SimonDannhauer/iStock)

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.

Another method is to transfer Chase Ultimate Rewards points to one of Chase’s transfer partners, like Hyatt or United Airlines, before closing your credit card.

Cards that earn Chase Ultimate Rewards points

Chase Ultimate Rewards are great for many reasons, one being that it’s easy to earn Chase points. There are many cards you can use to earn points, including:

The information for the Ink Business Preferred Credit Card, Ink Business Cash, Ink Business Unlimited, Chase Freedom and the Chase Freedom Unlimited card 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.

I used the annual travel credit from my Chase Sapphire Reserve card to help offset the cost of a stay at this stunning resort in Thailand. (Photo by Meghan Hunter)

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.

If you’d like to learn more about the Chase Sapphire Reserve, check out our full review here. And subscribe to our newsletter for more miles and points info delivered to your inbox!

Chase Sapphire Preferred® Card

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 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

More Info

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! :)

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This is very informative. Thanks. What happens if I have a chase preferred card, earned the points but later want to upgrade to chase reserve? Do I pay prorated fee , would they allow it?

Hi Belen!

This should be possible! I’ve heard of reports where people paid the fee for the Sapphire Preferred, upgraded to the Reserve, and received a prorated refund of the annual fee they paid from the Preferred card.

I forgot to transfer and closed my card in Jan. It was beyond 30 day window and now points are gone on my Chase sapphire card that i had closed. How can i recover them or are they gone forever?

Hi Raol!

Oh no! How many points are we talking about?

I’d reach out to Chase immediately and beg them to somehow recover the points.

And if they say no the first time, try hanging up and calling back.

84,774 points, to be precise….yes it was stupid of me to do so, guess i did screw up….hopefully i can get them back.

hi Raol,

Were you able to get back you points? my husband cancelled his card too, but they did not mention about 30 days after the account closed. I called and they said they can not reinstated those points for us.

Ouch! Well we’ve all made mistakes = )

Hopefully you’re able to get those points back!

I just see my points vanished after few days of closing my card. they were 100,000+ points. I just hope I get those back, they had my dreams for travel in them. They told me on phone I could use the points even after closing BUT they had not mentioned about the 30 days limit.

Can I buy airline tickets for a future date through the Chase Travel portal and then close my card. My card anniversary is coming up in September and my travel dates are in November.

How does that work?

Just move to the freedom card, no fee, and 1.25 points on all spend..

Why worry,