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US Bank is one of the largest financial institutions in the U.S. While not as big as some of the big players, the institution is still defined as systemically important by the Financial Stability Board. The bank is over 120 years old, tracing its origins back to 1891.
For years, U.S. Bank rewards points didn’t expire. But that’s changing. Starting April 14, 2025, U.S. Bank introduced a new expiration policy for points earned through its Altitude® credit cards.
Here’s what you need to know about the new rules — and how to keep your points safe.
Do U.S. Bank Points Expire?
U.S. Bank points will not expire as long as your account remains active and in good standing. Per the U.S. Bank Altitude® Go Visa Signature® Card terms and conditions page:
“Points will not expire as long as you keep your account active. Redeem points right away or save them for later.”
This raises the important question of what constitutes remaining “active” for the sake of keeping your points active. Digging a little deeper into the U.S. Bank terms and conditions, activity is defined as follows:
“Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.”
This is a new policy and only applies to points earned after April 14, 2025. If you have points in your account earned before that date, then they will not expire.
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Activities That Prevent U.S. Bank Points from Expiring
Keeping your U.S. Bank Points balance is relatively straightforward, and you have multiple options to keep your balance active. These include:
- Make a purchase with your U.S. Bank card.
- Redeem your points for a wide range of activities, including gift cards, travel, and more.
- Have some other form of account activity.
Which Cards Does The Policy Apply to?
The points expiration policy applies to points earned from the following two U.S. Bank cards:
Use AwardWallet to Track Your U.S. Bank Rewards Points Expiration
The 12-month activity window is a little on the short side; that is why it pays to keep a close eye on your U.S. Bank Rewards points balance. AwardWallet helps you easily track when your U.S. Bank Rewards will expire, and you will receive a timely reminder if you have points in danger of expiring.
To add your U.S. Bank Rewards to your AwardWallet account, simply log in to AwardWallet and then link your U.S. Bank account, and you are set.
Related: How to Track Your Rewards Using AwardWallet
Our Take
U.S. Bank’s new expiration policy puts it out of step with most other major issuers — like Chase, American Express, and Capital One — which allow you to keep points as long as your account remains open.
That said, the requirement for keeping points active is fairly low. Just make a single purchase or redemption each year, and your points will stay safe. If you’re a regular cardholder, this shouldn’t be an issue — but if you’ve sock-drawered your Altitude card, now’s the time to dust it off.
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