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American Express Membership Rewards do not expire, however, there are conditions where your points may be forfeited.
While this is great news for Amex cardholders, since most other reward points do have an expiry date, generally from 1 to 3 years, you can still lose your points if you are not careful through forfeiture. Full terms and conditions can be found at MembershipRewards.com/terms.
What Are The Ways To Forfeit American Express Membership Rewards?
There are 3 scenarios where you can forfeit your Membership Rewards:
- Returning Items Purchased With Your Card – You buy something and no longer want it. You receive a statement credit, and the points you earned are then debited from your Membership Rewards account.
- Making Late Payments – If you want to receive rewards, you've got to make your payments on time. You must pay the amount due on your Linked Account statement by the closing date of the next billing period. If you don't, you'll forfeit all the points that you earned during the period covered by the statement.
- If Your Card Account is Cancelled – There are several scenarios where a card account could be canceled, both voluntarily or involuntarily. The terms fully cover these scenarios including the loss of points upon your death; although since the value of the points in the account can be quite large, American Express has a procedure for one of your family members or beneficiaries to take over your account, and have the points balance restored.
Our Favorite Way to Keep a Membership Rewards Account Active
The Amex EveryDay® Credit Card from American Express carries no annual fee and is one of the easiest ways to earn Membership Rewards while keeping your account active — just pay your bills on time.
Remember, American Express ultimately controls your Membership Rewards account and the use of that account is dictated by their terms of service. American Express Membership Rewards is one of the best reward programs out there, with great transfer partners and some excellent options for maximizing the value from your points. While you do need a good credit score to get a Premium card from American Express, they provide excellent value, and as long as your account is in good standing you won't have to worry about those points going away.
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