Do Chase Ultimate Rewards Points Expire?

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Chase Points, known as Chase Ultimate Rewards do not expire as long as you have a Chase Ultimate Rewards-earning credit card.

Chase Ultimate Rewards-earning cards include:

What Happens if you Close a Credit Card?

While points do not expire with an active Ultimate Rewards-earning credit card, if you have multiple cards and close one of them, you will lose the points associated with that card account unless you combine them to another Ultimate Rewards-earning card. To avoid points from expiring in the event of an account closure, you can combine the points to another card account in your name or to a linked Ultimate Rewards-earning card account of a household member or business co-owner, in the event of a business credit 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. That said, as one of the most valuable travel rewards currencies available, inactivity and account dormancy should never be an issue.

If you’re ever 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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  • Love the CSR, so far…

  • Being able to not worry about my points expiring is one more reason to keep my Chase UR cc’s at the top of my wallet.

  • Great knowing I can group my points onto better cards

  • nice to know this

  • Karen Klein says:

    Thank you for the heads up. I don’t know if I will ever get rid of my chase card since I’ve really been able to use it for so many things! I just love the options I have using it! Cash, giftcards, using the points for travel, redeeming them at Amazon, etc. Just wonderful! I have been thinking about getting the freedom unlimited. What is Award Wallet’s option on which would be the best earner of points with chase? I use my freedom card really during the the 5% boost and then focus on everything else on my disney credit card. Would be it be better to have the freedom unlimited and divide charges between my disney and freedom unlimited or stay with the boost and disney card? I’m thinking for a trip it’ll be better to focus on my freedom card next time but well now I’m well into the disney build up. thank you for your thoughts!

    • The best earners are the Freedom Unlimited (1.5x points on everything) and the Sapphire Reserve (3x on travel & dining). Those two, in our opinion are the best cards for racking up Ultimate Rewards. The Disney card isn’t particularly rewarding with what you spend on it — you’re probably better off with even a simple 2% cash back card.

  • Sometimes it is advantageous to change the brand name on a card rather than cancelling it…for example “downgrading” a CSR to a Chase Freedom.

  • this is the same for United miles as long as you have a Chase United card

  • I guess I will keep my Chase Freedom card around then. Thanks for the information.

  • Alice Chen says:

    Didn’t know you could transfer points to another account, good to know!

  • Jason Logan says:

    Helpful article- how do you transfer the points to another card or household member? are there fees involved in that transfer? thanks

    • Jason, once you login to your account at, if you hover over your balance in the top right-hand corner you should see a popup that comes out and it provides you an option to “Combine Points”.

  • Cathy Krasnianski says:

    The two cards I use the most: Chase Sapphire Preferred and the Chase Freedom Unlimited. Both GREAT cards, and because the Ultimate Rewards points transfer to so many airlines and hotels these are no-brainers!

  • Good to know! I was thinking of closing my Chase reward cards but didn’t realize I would lose all my points in that process so I will keep one account open.

  • Brian Gallagher says:

    Super helpful, we were about to close our freedom card. Good to know to transfer the points to our preferred card. Thanks!!

    • IMO everyone should have a couple of Freedoms, they and the Inks are the most robust earning UR cards Chase has. Two freedoms can easily earn 30k to 45k ea year even skipping a quarter. Like a mini signup bonus year in and year out.

  • Good to know! I don’t need to worry so much about award points expiring these days though with Award Wallet!

  • This article is a great primer for people (like me) who do not remember all the benefits of Ultimate Rewards points. These are more reasons why I am concentrating on bank points and not hotel points this year.