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Do IHG points expire?
Yes. IHG One Rewards points expire after 12 months with no account activity — the shortest window among the major hotel programs. Any earning or redemption resets it. IHG Elite members and IHG One Rewards Premier cardholders, who hold Platinum Elite, are exempt and keep their points regardless.
GuideDo United miles expire?
No. United MileagePlus miles do not expire; United dropped its 18-month inactivity rule in August 2019 and has not reinstated it. A balance survives an idle account indefinitely. What it does not survive is devaluation — United prices awards dynamically, so miles held for years tend to buy less.
GuideDo Chase points expire?
No. Chase Ultimate Rewards points do not expire while the card account they sit in stays open, and there is no inactivity clock. Closing the card forfeits them, so move them to another Ultimate Rewards card or redeem them before you close it; an account Chase closes for missed payments forfeits them too.
GuideChase transfer partners
Chase Ultimate Rewards points transfer to 14 partners: ten airlines, including United, Southwest, British Airways, Air Canada Aeroplan and Flying Blue, and four hotel programs — IHG, Marriott, Wyndham and World of Hyatt. All are 1:1 except Hyatt, which is 4:3 from a Sapphire Preferred or Ink Business Preferred by 1 October 2026.
GuideBilt transfer partners
Bilt Rewards has the widest transfer list of any US card currency: nineteen airlines and seven hotels, almost all at 1:1. It is the only program reaching American, Alaska, Southwest and United alongside all four major hotels, Hilton, IHG, Marriott and Hyatt. Only Accor (3:2) and Preferred Hotels (1:2) differ.
GuideHow to earn United miles
Since April 2026, United pays by fare, status and whether you hold a United credit card: general members earn 3 miles per $1 without one and 6 with one, rising to 9 and 12 for Premier 1K. Basic Economy earns less, and nothing for general members without a card. Chase points transfer in at 1:1.
GuideDo Nectar points expire?
Not on a date, but you can still lose them. Nectar points carry no expiry date, yet Nectar may close an account with no points earned or spent for 12 months in a row — and the points are lost with it. Scanning your Nectar card or app at Sainsbury's, Argos or eBay once a year keeps the balance safe.
GuideHow to book United awards
United has no award chart: miles prices move with demand and the cash fare, and the cheapest are limited saver seats. Since April 2026 primary United cardmembers pay at least 10% fewer miles on United flights. Awards can be changed or canceled free before departure, and Star Alliance partners can be booked with the same miles.
ComparisonChase vs Amex points
Pick the currency whose exclusive partners you will use. Chase alone reaches United, Southwest, World of Hyatt, IHG and Wyndham; Amex alone reaches Delta, ANA, Cathay Pacific, Qatar, Emirates and Hilton, with 16 US airlines to Chase's 10. Both move points 1:1 to Avios, Flying Blue, Aeroplan, Singapore and Virgin, and neither expires while its card stays open.
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