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Chase Ultimate Rewards points do not expire due to inactivity. However, there are a couple of situations that can lead to you losing all your points.
First, if you close your account, the balance of points in your account will be forfeited after a period of 30 days. However, you can preempt this and transfer your points to another partner or another Chase card. More about this below.
Chase also gives itself the right to close your account and cause you to forfeit all of your points if you misuse the program or if you fail to pay your balance. 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.
How to Earn Chase Ultimate Rewards Points
You have a wide range of options to earn Chase Ultimate Rewards points. You can do so via spending on consumer, 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:
If you hold any of the above fee-paying Ultimate Rewards card, you can also convert cashback earned from the following cards to points at a rate of 1 cent of cashback = 1 point.
- Chase Freedom Flex℠
- Chase Freedom Unlimited®
- Ink Business Unlimited® Credit Card
- Ink Business Cash® Credit Card
This list is not exhaustive. Read our complete guide to cards that earn Chase Ultimate Rewards points to find out which cards earn points — including those that are not taking new applications — and those earning cashback that can be converted to points.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x 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, 60,000 points are worth $750 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
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- 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
When Do Chase Ultimate Rewards Points Expire
The primary way that Chase points expire is 30 days after you do close your card account. However, according to the Chase Ultimate Rewards Agreement, you will lose all your Ultimate Rewards points in the following situations:
- Failure to make your minimum payment within 60 days of the due date.
- 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.
How to Keep Your Chase Points From Expiring if You Close a Chase Card
If you opt to close your account, you will have 30 days to use your points before they are forfeited. However, you have a few options:
- If you hold more than one Chase Ultimate Rewards earning card and are only closing one, you can combine the points earned on that card with another Chase Ultimate Rewards card. 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.
- If you only have one Ultimate Rewards card, 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.
- Transfer your points to your favorite frequent flyer program or travel partner to prevent them from being lost after 30 days. This is not ideal since it locks your points into a program and most airline programs have expiration deadlines. However, it is better than losing them entirely.
The critical thing to remember is that you have 30 days to move your points. So it is best to do some planning before you close your account, so you know exactly where you will transfer your points.
Do Chase Points Expire Due to Inactivity?
Most airline and hotel loyalty program points expire after a period of inactivity. However, that is not the case with Chase Ultimate Rewards. You don't have to worry about Chase points expiring as long as you have an Ultimate Rewards-earning card open.
If you’re concerned about your points expiring or somehow losing your rewards, call the number on the back of your card to have Chase address your specific concern.
Chase Ultimate Rewards are one of the strongest points currencies out there. Cardholders can earn Ultimate Rewards points through several cards. Plus, you have many ways to use them for travel rewards — either through the Chase travel portal or by transferring them to Chase's transfer partners. And, you don't have to worry about Chase points expiring as long as you keep at least one Chase Ultimate Rewards-earning card open.
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