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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 1.5 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 60,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
- 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)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
We like to hold the non-expiring UR points until we need to transfer for a trip we plan 🙂
I love the big signup bonus with Chase. My DIL was given a “we’ll think about it” response. Any idea why? She doesn’t have many cc’s in her history.
Can you transfer from Ink to Sapphire? Thanks
Yes! We show the process here: https://awardwallet.com/blog/combine-chase-ultimate-rewards-multiple-credit-cards/
If the Ink isn’t showing up as an eligible account, you may need to link the cards by combining log-ins: https://awardwallet.com/blog/combine-chase-accounts-automated-process/
I’ve heard if the balance gets big enough, chase will terminate the account. Never happened to me, I don’t let my rewards get more the $500 before redeeming.
Thanks for the info, good tip on combining accounts to another card prior to closing an account.
I have the same question regarding the steps required to follow to transfer points to another card belonging to household member. Can anyone help? Thank u
The process is currently very much in flux right now. Chase recently removed the option to do so online, but reports from readers are that you can call Chase to request a transfer. It may be an anti-fraud measure that Chase is implementing.
The Chase card programs are usually pretty good deals. The 100k bonus points is about the best you’re going to get. And for those who feel $4k expenditure over three months is difficult, consider inquiring about ability to pay your Rent or Mortgage for a few months using a credit card, even if they impose a small fee! It really ends up being worth it. I pay a lot of utilities using my credit card, groceries add up, and other spends. So spending $4k over three months really isn’t that difficult for many people if you consider ways to use the card that you normally wouldn’t do. Cheers!
Yeah I do not have this problem. I don’t think that this would cross my mind since I use my cards way too often. lol! I love getting this points. I have plans for these points. Doesn’t everybody?
I got my first Chase Ink card just after takeover from legacy WAMU checking accounts. Still have Ink Plus, Ink Biz & Freedom helps get UR points.
May get another CSR sometime….
I would like to cancel my chase credit/debit card. I have requested this before but I keep getting mail on this card. thanks Tonny Rachal.
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
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 strategy will do less damage to one’s credit score.
this is the same for United miles as long as you have a Chase United card
Marc, you need to use the United card — so a simple charge of a cup of coffee once in a while will work, but yes, effectively the same.
I guess I will keep my Chase Freedom card around then. Thanks for the information.
Didn’t know you could transfer points to another account, good to know!
Its really card to card under the same UR account. Not even a number like Amex.
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 UltimateRewards.com, 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”.
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.
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.