Do Chase Sapphire Points Expire?

Chase Sapphire points are a popular rewards currency, but one question often on people's minds is: do they expire? The good news is that Chase Sapphire points don't expire, regardless of how long you hold onto them.

You can earn points on every purchase you make with your Chase Sapphire card, and they'll stay in your account until you're ready to redeem them.

Chase Ultimate Rewards are the points currency used by Chase-branded credit cards.

You can earn rewards with all Chase credit cards, though you only earn Chase Ultimate Rewards points with Chase-branded cards.

They can be earned and then redeemed in various ways to help you book free or nearly free travel.

Your points don't expire as long as you keep at least one card open that earns Ultimate Rewards.

Inactivity won't cause your Chase points to disappear from your account.

You can earn rewards for eligible purchases with Chase credit cards, and redeem them toward travel, gift cards, or merchandise from select retailers.

You can also choose to redeem your points as cash back.

Chase allows you to combine all of your rewards into the account of whichever card makes rewards the most valuable.

Chase Ultimate Rewards points are the points currency used by Chase-branded credit cards.

You can earn rewards with all Chase credit cards, though you only earn Chase Ultimate Rewards points with Chase-branded cards.

Your points don't expire as long as you keep at least one card open that earns Ultimate Rewards.

Inactivity won't cause your Chase points to disappear from your account, giving you the freedom to leave them alone as long as you'd like.

With multiple Chase credit card accounts, you can move your points from card to card, so all of your rewards are in one place.

This can be a good strategy if one of your cards makes your points more valuable through the Chase Travel portal.

Chase allows you to combine all of your rewards into the account of whichever card makes rewards the most valuable.

Chase Sapphire points do expire, but only if you close your credit card account and don't have another open Chase credit card to transfer them to.

If you plan to close your Chase Sapphire credit card account, you can switch your points over to another open Chase credit card before closing, so you won't lose them.

Closing your card account is one of the only ways to lose your Chase Ultimate Rewards points.

Chase Ultimate Rewards points do not expire on any specific timeline, but you may lose them if you close your account. You have 30 days to use or transfer your points to another Chase account before they are forfeited.

If you close your Chase credit card account, you can transfer the points earned on the card to another Ultimate Rewards card in your name, or to someone else in your household who still has an Ultimate Rewards-earning card.

You can also transfer your points to your favorite Chase Ultimate Rewards transfer partner, but this locks your points into a single program and may have expiration deadlines.

Inactivity won't cause your Chase points to disappear from your account, but if you earn airline miles or hotel points by purchasing flights and hotel stays without a credit card, your rewards can expire if you go too long without any account activity.

Here are some options to consider when trying to keep your Chase points from expiring:

The good news is that you don't have to book a trip to log account activity. Simply going through an online shopping portal or making a purchase with a co-branded credit card can help keep your rewards active.

Chase Sapphire points don't expire as long as you keep your credit card account open, but there are other ways they can disappear.

If you close your credit card account, you'll forfeit your points 30 days later. However, that's not the only way your points can expire.

Failure to make your minimum payment within 60 days of the due date will result in losing all your points.

Chase will also take away your points if they believe you won't be able to pay your debts.

You'll also lose your points if you file for bankruptcy or engage in fraudulent activity related to the account or program.

Here are some specific situations that can lead to losing your points:

You can move your points from one Chase credit card account to another, so all of your rewards are in one place.

This can be a good strategy if one card makes your points more valuable through the Chase Travel portal. For instance, your Chase Sapphire Preferred points are worth 25% more when redeemed for travel in the Chase Travel portal.

With multiple Chase credit cards, you can combine all of your rewards into the account of the card that makes rewards the most valuable.

Chase allows you to transfer your rewards to the account that makes your rewards worth the most, whether they're called "points" or "cash back".

You can earn Chase Ultimate Rewards points from various cards, and they all accumulate as Ultimate Rewards points.

You can earn rewards with all Chase credit cards, though you only earn Chase Ultimate Rewards points with Chase-branded cards. This means if you have multiple Chase credit cards, you can move your points from card to card, so all of your rewards are in one place.

The beauty of Ultimate Rewards is the flexibility you have in earning and redeeming your points. You can use your points when you need them, or rack them up and put them toward a big trip or purchase.

Chase Ultimate Rewards points do not expire on any specific timeline, but you may lose your points if you close your account. If you close your card account before redeeming or transferring your rewards, you'll no longer have those points.

You have 30 days to use or transfer your points to another Chase account before they are forfeited if you decide to close your account. This gives you a window to maximize your rewards before they disappear.

Chase Ultimate Rewards points can be redeemed for travel, gift cards or merchandise from select retailers, or as cash back. Your points don't expire, and inactivity won't cause them to disappear from your account.

You can earn airline miles or hotel points without a credit card by purchasing flights and hotel stays directly. American Airlines AAdvantage miles expire after 24 months of account inactivity, and Marriott Bonvoy points also expire after 24 months.

One way to keep your rewards active is to go through an online shopping portal, which earns you points or miles per dollar when shopping with participating retailers. By using the Alaska Airlines MileagePlan portal, you can earn miles for shopping with retailers like Apple and Sephora.

You can also transfer flexible points to an airline or hotel account to generate activity and prevent your points from expiring. For example, transferring 1,000 Chase Ultimate Rewards points to your IHG Rewards account will reset the expiration clock.

Earning miles without a credit card is a challenge, but there are some credit cards that can help you earn Chase Ultimate Rewards points, which can be redeemed for travel, cash back, or other rewards.

You can earn Chase points via spending on consumer and small business credit cards, as well as cashback cards if you have the right combination of cards.

Some top credit cards that earn fully transferrable Chase Ultimate Rewards points include the Chase Sapphire Preferred Card, Chase Sapphire Reserve, and Ink Business Preferred Credit Card.

These cards offer a range of benefits, such as earning 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

You can earn 5X points on Lyft rides through March 2025, 5X points on travel purchased through Chase Travel℠, 3X points on dining at restaurants worldwide, and 3X points on eligible streaming services.

Here are some of the top credit cards that earn Chase Ultimate Rewards points:

You can also convert cash back earned from certain cards to points to gain additional points redemption options, such as the Chase Freedom Flex℠, Chase Freedom Unlimited‎, Ink Business Unlimited Credit Card, and Ink Business Cash Credit Card.

Earning miles without a credit card can be a bit tricky, but don't worry, I've got you covered. If you earn airline miles or hotel points by purchasing flights and hotel stays, your rewards can expire if you go too long without any account activity.

For instance, American Airlines AAdvantage miles expire after 24 months of account inactivity, and Marriott Bonvoy points expire after 24 months of account inactivity. This means you'll need to find ways to keep your rewards active before they expire.

One way to do this is by going through an online shopping portal. Many airlines and hotels have shopping portals that earn you points or miles per dollar when you shop with participating retailers. For example, you could earn miles for shopping with retailers like Apple and Sephora through the Alaska Airlines MileagePlan portal.

You can also transfer flexible points to an airline or hotel account to generate activity and prevent your rewards from expiring. For example, if you have transferable rewards like Amex Membership Rewards or Chase Ultimate Rewards, you can move a small number of points to a partner program to reset the expiration clock. This worked for me when I had to prevent my IHG points from expiring.