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Chase Ultimate Rewards points are arguably the best transferable points you can earn through a credit card. From a variety of high-value transfer partners to a travel portal that offers up to 2 cents per point when you redeem for travel, there are many great ways to redeem Chase points.
But, especially if you're building up a stash of Chase points for a future trip, you might wonder whether Chase points expire. Here's what you need to know about whether Chase points expire and how to keep from losing your Chase points.
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Do Chase Points Expire?
Chase Ultimate Rewards points do not expire on any specific timeline. However, you may lose your Chase points if you close your account. Per the Chase Ultimate Rewards frequently asked questions page:
“No, your Chase Ultimate Rewards® points do not expire — as long as you keep your credit card account open. However, if you close your card account before redeeming or transferring your rewards, you'll no longer have those points.
Unfortunately, if your account is closed for missed payments, program misuse or other reasons detailed in your user agreement, you will forfeit your points.”
If you decide to close your account, you have 30 days to use or transfer your points to another Chase account before they are forfeited.
Track your points and miles expiration for 630+ loyalty programs and get email alerts before your miles expire by signing up for a free AwardWallet account.
Other Ways Chase Points Expire
As mentioned above, you'll forfeit your Chase points 30 days after you close your credit card account. However, according to the Chase Ultimate Rewards program agreement (caution: PDF link), you will also lose all your Chase points in the following situations:
- Failure to make your minimum payment within 60 days of the due date.
- Chase believes that you will be unable to pay your debts.
- Filing for bankruptcy.
- Engaging in fraudulent activity related to the account or program.
- Churning accounts to generate points.
- Using manufactured spending techniques to create points.
- Buying or selling points.
- Transferring points to ineligible parties.
- Failing to comply with the Chase Ultimate Rewards agreement.
- If Chase believes you have misused your points, including using a third-party partner program.
So, although Chase points don't expire as long as you keep your credit card account open, you'll need to avoid using your account and rewards in a way that Chase doesn't like.
Related: How to Maximize Chase Ultimate Rewards Points for Flights Within North America
How To Keep Your Chase Points When You Close a Credit Card
If you close your Chase credit card account, you'll have 30 days to use your points before they expire. Here are a few options to consider:
- If you hold more than one Chase Ultimate Rewards earning card and are only closing one, you can transfer the points earned on the card you are closing to another Ultimate Rewards card in your name.
- If you only have one Ultimate Rewards card, you can transfer the at-risk points to someone else in your household — or a business co-owner in the event of a Chase business credit card — who will still have an Ultimate Rewards-earning card.
- Transfer your points to your favorite Chase Ultimate Rewards transfer partner to avoid losing them after 30 days. This is not ideal since it locks your points into a single program, and many loyalty programs have expiration deadlines. However, it is better than forfeiting your Chase points.
The critical thing to remember is that you have 30 days to use or transfer your Chase points before they expire. It's best to plan for your Chase points before closing your account.
Related: How To Transfer Chase Ultimate Rewards Points
How To Earn Chase Points
You have a wide range of options for credit cards that earn Chase Ultimate Rewards points. You can earn Chase points via spending on consumer and small business credit cards — and even cashback cards if you have the right combination of cards. Credit cards that earn fully transferrable Chase Ultimate Rewards points include:
- Chase Sapphire Preferred® Card (Rates & Fees)
- Chase Sapphire Reserve® (Rates & Fees)
- Ink Business Preferred® Credit Card (Rates & Fees)
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
- Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 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
If you hold any of the above Ultimate Rewards cards with an annual fee, you can also convert cash back earned from the following cards to points to gain additional points redemption options:
- Chase Freedom Flex℠
- Chase Freedom Unlimited® (Rates & Fees)
- Ink Business Unlimited® Credit Card (Rates & Fees)
- Ink Business Cash® Credit Card (Rates & Fees)
This list is not exhaustive; check out our story about earning Chase points with a credit card combo to learn more.
Related: How To Use Chase Points for Flights
Track Your Points With AwardWallet
Even though Chase points do not expire as long as you keep your credit card account open, you should still track your points and miles with AwardWallet. The AwardWallet app makes planning a breeze since you can quickly get a big-picture overview of how many points and miles you have without the hassle of logging into each account one by one.
If you haven't already, add Chase Ultimate Rewards to your AwardWallet account to stay on top of your rewards.
Related: How to Track Your Rewards Using AwardWallet
Our Take
Chase Ultimate Rewards is one of the strongest points currencies out there. You can earn Ultimate Rewards points through several cards and redeem them through the Chase travel portal or by transferring to Chase Ultimate Rewards transfer partners. As discussed in this article, you don't have to worry about your Chase points expiring if you keep at least one Chase Ultimate Rewards-earning card open.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), Chase Freedom Unlimited® (Rates & Fees), Ink Business Unlimited® Credit Card (Rates & Fees), and Ink Business Cash® Credit Card (Rates & Fees)
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