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Million Mile Secrets reader Jeff comments:
I’ve had the Chase United Visa for about eight months and have accumulated about 80,000 miles included the signup bonus miles. Will I lose them if I cancel the card
Jeff wants to know if he will get to keep his 80,000 United miles if he cancels his Chase United card.
PS: I haven’t included my affiliate link to the Chase United card for up to 35,000 miles. That’s because this post will show you if you’ve been targeted for the better offer for up to 55,000 United miles!
Will Jeff Lose Miles If He Cancels His Credit Card?
If Jeff cancels his card, he will NOT lose airline miles or hotel points that are already in his airline or hotel account.
However, Jeff could lose ALL points in his account, if he cancels a bank rewards card like American Express Membership Rewards, Chase Ultimate Rewards points and Citi Thank You points.
Airline Miles & Hotel Points
If Jeff cancels an airline or hotel credit card, he won’t lose the miles or points already in his airline or hotel loyalty program account.
So if Jeff cancels his Chase United card, he will NOT lose his 80,000 United miles that are in his United account.
But Jeff will lose miles that haven’t posted to his United account as yet because his credit card statement hasn’t yet closed.
For example, let’s say that Jeff cancels his Chase United card on December 22, 2014 and his credit card billing cycle is from November 27, 2014 to December 27, 2014.
Jeff will lose all the miles he earned from November 27, 2014 to December 22, 2014 because those miles haven’t posted to his account.
But the 80,000 miles in his account are safe because they are already in his account.
However, they are still subject to United’s mileage expiration policy which says that you should have mile earning or redemption activity in your account every 18 months.
So Jeff should ensure that he has activity in his United account every 18 months. But Jeff can easily keep his miles from expiring!
United Credit Card Terms & Conditions
The terms of the United credit card say:
Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the MileagePlus program rules.
Often times, readers are told by customer service agents that canceling their United card means that they lose ALL their United miles. This is NOT true!
You will only lose the miles which haven’t yet posted to your United account when you close the credit card.
Bank Reward Program Points
If Jeff cancels a card that earns American Express Membership Rewards, Chase Ultimate Rewards points, or Citi Thank You points, he could LOSE all the points in his account.
Each bank reward point program has slightly different rules, so he should review my post on how to prevent losing your points when you close a card.
Jeff won’t lose his existing United miles if he closes his United credit card. But he will lose points that have not posted to his account.
He should also make sure that he has activity in his United account every 18 months to prevent his United miles from expiring.