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Unlike some loyalty programs, Chase points — known as Chase Ultimate Rewards points — do not expire due to inactivity. As long as you keep your Chase credit card open, the Ultimate Rewards points tied to that account won't expire.
The bad news is that you'll lose all of the Ultimate Rewards points tied to an account when you close your Chase card. However, we will show you below how to keep these Chase points from expiring.
You can also lose your Chase Ultimate Rewards points if you act improperly. As Chase puts it:
Your points don’t expire as long as your account is open, however, you’ll immediately lose all your points if your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement.
Chase Ultimate Rewards Cards
Chase credit cards that earn Ultimate Rewards points include:
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Preferred® Credit Card
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
- 5X points on Lyft rides through March 2022
- 5X points on travel purchased through Chase
- 3X points on dining at restaurants worldwide
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
How to Keep Your Chase Points From Expiring if You Close a Chase Card
If you close a Chase credit card, you will lose the points associated with that card account. But, there are a few ways to save your points before you close your card.
If you have multiple Chase Ultimate Rewards cards, you can combine Chase points between accounts. By doing so, you transfer the points at risk of expiring to a card that you're going to keep. To do so, you'll need another Ultimate Rewards card account in your name. Or, you can transfer points to someone else in your household — or a business co-owner in the event of a business credit card — who will still have an Ultimate Rewards-earning card.
What About Expiration Due to Inactivity?
Many rewards programs have points that expire due to inactivity. However, that is not the case with Chase Ultimate Rewards. But, since Chase Ultimate Rewards are one of the most valuable travel rewards currencies available, inactivity and account dormancy shouldn't be an issue!
If you’re concerned about points expiring, or somehow losing your rewards, call the number on the back of your card to address your specific concern.
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