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

MeghanDo 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 & points hobby, Chase Ultimate Rewards points are our favorite flexible rewards to earn and use.  And a number of the best credit cards for travel are Chase Ultimate Rewards points earning cards.  So it’s no wonder why we often get asked:   Do Chase Ultimate Rewards points expire?

In short, the rewards you earn with any Chase Ultimate Rewards points earning credit card won’t expire as long as your credit card account stays open.  So, for example, if you earn the welcome bonus from the Chase Sapphire Preferred Card, then close the card before using your points, they’ll be gone forever.

Chase Ultimate Rewards Points Won’t Expire as Long as You Keep Your Card Open – They’ll Take You Nearly Anywhere In the World, Including the Seychelles Islands

That might seem restrictive, but there’s a workaround that I’ll explain further below.

Do Chase Ultimate Rewards Points Expire?

When a Chase Ultimate Rewards earning card account is closed for any reason, your unused points will be forfeited.  But here’s the trick to keeping them alive!

You can transfer the Ultimate Rewards points you earn with one card to another Ultimate Rewards account in order to avoid losing your points.

Let’s say you have both the Ink Business Preferred Credit Card and Chase Sapphire Preferred, and you decide you no longer want to pay 2 annual fees.  Don’t sweat it!  You can move the Ultimate Rewards you earned with the Ink Business Preferred over to your Sapphire Preferred account, then close your Ink Business Preferred without losing your points.

Another remedy to avoid losing your rewards?  Just be sure to transfer your Ultimate Rewards points to one of Chase’s terrific travel partners, like Hyatt or United Airlines, before closing your credit card.

Cards That Earn Chase Ultimate Rewards Points

Chase Ultimate Rewards points are great for many reasons, one being they are easy to earn.  There are so many cards you can use to collect them, including:

The information for the Chase Freedom® and Chase Freedom Unlimited® 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 hasn’t ever been an issue because I happily keep it 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

My favorite perks of the Chase Sapphire Reserve are the up to $300 annual credit for travel purchases every cardmember anniversary and the fact that my Ultimate Rewards points are worth more because I’m a Sapphire Reserve cardholder.

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 they’re 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 be sure to check out our full review here.

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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®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • 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
  • 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

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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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.

Ouch! Well we’ve all made mistakes = )

Hopefully you’re able to get those points back!

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,