Do Chase points expire?
No — Chase Ultimate Rewards points don't expire from inactivity while your card is open. The real risk is closing the card. Here's how to keep your points before you cancel, and why transferred points need watching.
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.
- Ultimate Rewards points don't expire from inactivity while the card account they sit in stays open.
- What ends them is the account closing. That includes a card Chase closes for missed payments, and Chase promises no grace period afterwards.
- Canceling a Freedom card? Move its points to a Sapphire or another Ultimate Rewards card you're keeping first.
No inactivity clock. Mind the card.
Ultimate Rewards points are safe while the card is open — but a canceled card takes them with it, and transferred points inherit a new deadline. Nanvero keeps your Chase balance in view next to the programs you move points to, so nothing is lost to a closed card or a forgotten transfer.
Your balances all in one view
On this page
Safe for as long as the card stays open
No — Chase Ultimate Rewards points do not expire from inactivity. Chase's own terms say points last as long as you keep the card account open, with no inactivity clock. The catch is the account itself: close the card and the points in it are forfeited, so move them to another Ultimate Rewards card, transfer them or redeem them before you close it — Chase promises no grace period afterwards. And once you transfer points to an airline or hotel partner, that program's expiry rules take over. So Chase points rarely expire on their own; they're lost when a card is canceled without moving them, or left to lapse after a transfer.
Ultimate Rewards next to the programs you transfer into
The windows are not the same across programs, and several of the biggest have no window at all. Where a rule below differs from the one you remember, it is because the program changed it: Hilton doubled its window, and Alaska, Southwest and United each dropped theirs outright.
| Program | Expires after | Exceptions |
|---|---|---|
| Avios | 36 months of inactivity | — |
| Amex Membership Rewards | Never | points are forfeited if you close your last Membership Rewards-earning Card, or for an unpaid billing period |
| American AAdvantage | 24 months of inactivity | AAdvantage credit-card holders and members under 21 |
| Delta SkyMiles | Never | — |
| United MileagePlus | Never | — |
| Southwest Rapid Rewards | Never | points are only lost if you close your Rapid Rewards account |
| Alaska Atmos Rewards | Never | — |
| Marriott Bonvoy | 24 months of inactivity | — |
| Hilton Honors | 24 months of inactivity | — |
| World of Hyatt | 24 months of inactivity | — |
| IHG One Rewards | 12 months of inactivity | IHG Elite members, and IHG One Rewards Premier cardholders (who hold Platinum Elite) |
| Chase Ultimate Rewards | Never | points are forfeited if you close the Chase card they sit in |
| Nectar | 12 months of inactivity | — |
Move the points, then close the card
Ultimate Rewards points are safe while the card is open — but a canceled card takes them with it, and transferred points inherit a new deadline. Nanvero keeps your Chase balance in view next to the programs you move points to, so nothing is lost to a closed card or a forgotten transfer.
- Ultimate Rewards balance tracked automatically
- Shown beside the partners you transfer to, each with its own expiry
- No password, no logging in as you
Chase points expiry — common questions
No — not from inactivity. Chase states your Ultimate Rewards points do not expire as long as you keep your credit card account open. There is no inactivity clock the way airline and hotel programs have.
Closing the card account forfeits the points in it. Chase's own guidance is to switch them to another open Chase card before you close; otherwise the unused points are lost. Some reports describe a short window after closing, but Chase does not promise one — so move the points first.
Transfer them to another Chase Ultimate Rewards card you're keeping (for example, moving points from a Freedom card to a Sapphire card), transfer them to an airline or hotel partner, or redeem them — all before you close the account. Do not count on getting them back afterwards, and note that an account Chase closes for missed payments forfeits its points too.
They can. Once you transfer Ultimate Rewards points to an airline or hotel program, that program's own expiry rules take over — some never expire, others lapse after a period of inactivity. Transferring solves the closed-card risk but hands the balance to a different set of rules worth tracking.
Nanvero keeps your Ultimate Rewards balance current automatically from the emails Chase already sends, with no password, and shows it beside every airline and hotel program you transfer to — each with its own expiry rules. So points don't vanish when a card closes, and transferred points don't lapse unnoticed. It's free to track up to five programs.
Every window on this page is read from the program’s own published terms, or from a source that quotes them, and recorded in one file with the date it was checked — so a figure here and a figure anywhere else on Nanvero are the same figure. Where a program has changed its rule the old value is not quietly overwritten, as with Hilton’s move from twelve months to twenty-four. The whole expiry cluster works from the same table.
Where these numbers come from: Chase “your Chase Ultimate Rewards® points do not expire—as long as you keep your credit card account open”; switch them to another open Chase card before closing, “otherwise, you will lose the unused points” (September 2026); AwardWallet no inactivity expiry while the account is open; closing the card forfeits the points (15 February 2026). Programs change these rules, so we re-check them and date what we find. Confirm against your own account before relying on a deadline.
Do Avios expire?
Yes. Avios lapse after 36 months with no activity on your British Airways Club account, not on a fixed calendar date. Any single earn or spend, however small, resets the clock on your entire balance. Other Avios programs, including Iberia, Aer Lingus and Qatar, set their own inactivity windows.
Do Marriott points expire?
Yes. Marriott Bonvoy points expire after 24 consecutive months of account inactivity. Any qualifying activity — a stay, a card purchase that earns points, or a points transfer — resets the 24-month clock on the whole balance. There is no fixed expiry date, so an active account never loses points to time.
Do AAdvantage miles expire?
Yes. American AAdvantage miles expire after 24 months with no earning or redemption activity, and any qualifying activity resets the clock on the full balance. AAdvantage credit-card holders and members under 21 are exempt, so their miles stay alive however long the account sits idle.
Points kept, cards and all.
Nanvero keeps your Ultimate Rewards balance in view alongside every program you transfer to — so none are lost to a closed card or a forgotten deadline. Free to track up to five programs.
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