Do Chase Rewards Points Expire?

Do Chase Rewards Points Expire?

Chase Ultimate Rewards points generally do not expire as long as your account remains open and in good standing. That means cardholders can keep earning and holding points indefinitely, provided they follow the account terms. The answer, however, has a few exceptions tied to older card products and specific program rules.

The General Rule: No Expiration on Active Accounts

For most Chase cards issued in recent years, points remain on your account forever. You do not need to redeem them by a certain date, and inactivity does not trigger a forfeiture. This applies across the Chase ecosystem, including the Sapphire Reserve, Sapphire Preferred, Freedom, and Ink lines, as well as Chase checking accounts that earn Ultimate Rewards points.

Older Cards and Legacy Programs

A small number of legacy Chase cards had point expiration policies before Chase updated its terms. If you hold an older product, it is worth checking your original cardmember agreement or logging into your Chase account to confirm whether your specific points balance is subject to an expiration date. In most cases, those older policies have been grandfathered or converted to the no-expiration standard.

What Can Cause Points to Be Lost

Points can disappear if the account is closed, whether by the cardholder or by Chase for inactivity or policy violations. Once the account is closed, the points are typically forfeited. Other scenarios that can affect your balance include fraud, unauthorized transactions, or a return that reverses the qualifying purchase. Keeping the account active and in good standing is the simplest safeguard.

How to Check Your Points Expiration

Log into your Chase account online or through the mobile app and navigate to your Rewards section. The dashboard will display your current point balance and any relevant expiration details. If you have a legacy product with an expiration policy, that information will appear there. You can also review your cardmember agreement for the specific terms that apply.

Maximizing the Value of Non-Expiring Points

Because Chase points do not expire, you can take a long-term view on redemption. Hold points for travel bookings through the Chase travel portal, transfer them to airline and hotel partners for potentially higher value, or wait for a redemption opportunity that matches your travel plans. The flexibility is one of the main advantages of the Ultimate Rewards program.