Do credit card rewards, points and miles expire?

This series of articles about credit cards, points and miles, and budgeting for travel is brought to you in partnership with The Points Guy.

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Finding out you’ve somehow let your precious stash of hotel points or airline miles expire is a terrible feeling, especially if you’ve been saving them up for a while. Thankfully, taking small steps like paying attention to expiration policies, using a website or app to track your points and miles and keeping your accounts active can help you avoid this harrowing prospect.

A lot of it really depends on the type of rewards you’re working with. Credit card rewards points, for instance, won’t expire as long as your account remains open, while airline and hotel loyalty program policies vary greatly.

For those, if there’s no activity on your account for a certain amount of time, they’ll likely expire, with few exceptions. That said, you can complete certain activities to keep your account active, like using a co-branded credit card, redeeming rewards, earning elite status or booking a flight or hotel stay.

Here’s everything you need to know about when credit card rewards, hotel points and airline miles expire.

How to get started with travel points and airline miles

Credit card rewards: Do they expire?

While your credit card rewards won’t expire as long as your account is open and in good standing, there is one caveat. Should you ever decide to close your account, any remaining points will be forfeited, so make sure you transfer or redeem them first.

Here’s how four of the top flexible rewards programs handle expiring points, plus a few redemption options and co-branded credit cards with lucrative welcome bonuses to help get you started.

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Chase Ultimate Rewards

One of the best loyalty programs on the market, Chase Ultimate Rewards lets you earn points as long as you use an associated card. While the program offers many options when it’s time to redeem them, you’ll get the best value by switching them to one of Chase’s 14 travel partners at a transfer ratio of 1:1.

In a pinch, you could also book flights, hotels, rental cars or tours through the Chase Travel℠ portal, where your redemption is worth 1.25 cents per point with the Chase Sapphire Preferred® or Ink Business Preferred Credit Card or 1.5 cents per point with the Chase Sapphire Reserve®.

Otherwise, points can be used to cover certain purchases thanks to Chase’s Pay Yourself Back feature, to book VIP seating at shows and sporting events or to pay for Amazon and Apple Store purchases or gift cards.

• Chase Sapphire Preferred® Card: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

• Chase Sapphire Reserve®: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

• Ink Business Preferred® Credit Card: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

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American Express Membership Rewards

Membership Rewards points won’t expire as long as your account is open, but you could lose out on recently earned rewards if you miss a payment.

Contact customer service to have the missing points reinstated once you pay your bill. It’s $35 per billing period, and you must reactivate them within 12 months, but it’s worth it to save any points you might have otherwise lost.

If American Express closes your account because it has been inactive, you’ll have 90 days to transfer or redeem your points before they expire. If you’re considering closing it yourself, redeem them through the Membership Rewards portal or transfer your points to a travel partner first.

The Membership Rewards program is tied to 21 airline and hotel partners, including British Airways Executive Club, Delta SkyMiles, JetBlue TrueBlue, Marriot Bonvoy, Hilton Honors, and Choice Privileges. Points can also be redeemed for Apple and Amazon merchandise, Airbnb gift cards or used to cover recent charges.

• American Express® Green Card*: Earn 40,000 points after you spend $3,000 within the first six months of account opening.

• American Express® Gold Card*: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

• American Express® Business Gold Card*: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

• The Platinum Card® from American Express*: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

• The Business Platinum Card® from American Express*: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

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Capital One Rewards

Capital One Miles won’t expire if your account stays active. The Capital One Venture and Capital One Venture X cards each let you earn an unlimited amount of rewards on purchases, and you’ll pick up the most miles by booking hotels, rental cars and flights directly through Capital One Travel.

When it’s time to redeem them, you can choose from 15 travel partners including Air Canada Aeroplan, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards and Accor Live Limitless.

• Capital One Venture Rewards Credit Card: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.

• Capital One Venture X Rewards Credit Card: Earn 75,000 miles after you spend $4,000 within the first three months of opening your account.

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Citi ThankYou Rewards

This particular loyalty program seems to be the exception to the rule, with a few of its co-branded cards enforcing expiration dates. The terms and conditions vary by card, so check the list to see if you’re looking at three years, five years, or no expiration at all.

In general, though, an active account keeps your points options open — even if it closes, you’ll have 60 days to redeem them.

ThankYou Points can be transferred to any of Citi’s 18 travel partners including Air France/KLM Flying Blue, JetBlue TrueBlue, Qantas Frequent Flyer, Accor Live Limitless, Choice Privileges and Wyndham Rewards. Otherwise, you can redeem them for gift cards, flights and hotels via Citi Travel, statement credits, cash-back rewards or online purchases via Citi’s many shopping partners.

• Citi Premier® Card: Earn 60,000 miles once you spend $4,000 within the first three months of opening your account.

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Other credit card rewards programs

Bilt Rewards, Bank of America Travel Rewards, Wells Fargo Rewards, Discover Rewards and Barclays Arrival Miles all follow the same rules, leaving your points and miles intact as long as your account is open. One notable exception is for cards that earn U.S. Bank FlexPerks, which expire five years from the end of the quarter they were accumulated in.

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Hotel Points

Unlike credit card rewards, hotel points usually do expire, the only exception being Best Western Rewards points. In most cases, you’ll have a 12–24 month window and can keep your account active by using a co-branded hotel credit card or earning, redeeming or buying rewards points before that date.

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Marriott Bonvoy

To keep your Marriott Bonvoy points from expiring in 24 months, your account must be active, meaning you must earn, redeem or buy points within that timeframe.

One difference from other hotel rewards programs: While transferring points to a friend or receiving them as a gift does not count as account activity, switching them to or from any of Marriott Bonvoy’s 35 airline partners does. Also, note that your points will never expire if you maintain elite status.

• Marriott Bonvoy Bold® Credit Card: Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.

• Marriott Bonvoy Boundless® Credit Card: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card.

• Marriott Bonvoy Bevy™ American Express® Card*: Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

• Marriott Bonvoy Brilliant® American Express® Card*: Earn 95,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

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Hilton Honors

Unless you’re actively earning or redeeming Hilton Honors points, they’ll expire in 24 months. Avoid this by booking more hotel stays (either with points or cash), or by using a Hilton co-branded credit card.

• Hilton Honors American Express Card*: Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.

• Hilton Honors American Express Surpass® Card*: Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.

• Hilton Honors American Express Aspire Card: Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership.

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World of Hyatt

World of Hyatt points will expire if your account remains inactive for 24 months; they cannot be reinstated. Book a night at participating Hyatt or MGM Rewards properties worldwide; use a co-branded credit card; redeem points for free stays, dining, spa treatments, room upgrades or car rentals via its partner, Avis; or buy or gift points to keep your account active.

• World of Hyatt Credit Card: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point on up to $15,000 spent.

• World of Hyatt Business Credit Card: Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

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IHG One Rewards

If you have elite status, your IHG One Rewards points will never expire. Everyone else (including those who start with elite status but go back to Club level) has 12 months to complete activities to keep their account active.

Thanks to its nifty Points & Cash feature, you can spend less (in points or cash) when booking stays. You can also donate points, use them to shop online through IHG’s portal or transfer them to friends or one of 41 partner airlines, including American Airlines, United Airlines and Delta Air Lines.

• IHG One Rewards Traveler Credit Card: Earn 80,000 Bonus Points after spending $2,000 on purchases within the first 3 months of account opening.

• IHG One Rewards Premier Credit Card: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening

• IHG One Rewards Premier Business Credit Card: Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

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Other hotel loyalty programs

If you can’t manage to keep your account active, Choice Privileges points will expire in 18 months, while Accor Live Limitless gives you 12 months and Radisson Rewards lets you have 24 months. Wyndham Rewards is an outlier, with its points expiring four years from the date you check out, or after 18 months if your account remains inactive.

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Airline Miles

Like hotel points, most airline miles do eventually expire, although the exact timeframe varies by airline. ANA (All Nippon Airways) Mileage Club miles, for instance, expire after 36 months without exception, while United MileagePlus miles, Virgin Atlantic Flying Club points, Southwest Airlines Rapid Rewards points, Hawaiian Airlines HawaiianMiles, JetBlue TrueBlue points, Delta SkyMiles and Alaska Airlines Mileage Plan miles don’t expire at all.

By earning elite status, redeeming miles for award flights and using co-branded credit cards, you can keep your account alive and well. Check the websites of your preferred airline’s loyalty program to view their individual expiration policies. Below, we’re focusing on five major US airlines.

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American AAdvantage

Keep your account active or your miles will expire after 24 months — that is, unless you have certain AAdvantage co-branded cards or under the age of 21.

Whatever happens, American Airlines does let you reinstate up to 500,000 AAdvantage miles by making one transaction within 24 months of their expiration date. And as long as you keep earning or redeeming miles every 24 months beyond that, they’ll be safe.

• Barclays AAdvantage® Aviator® Red World Elite Mastercard®: Earn 60,000 miles after making your first purchase and paying the $99 annual fee within the first 90 days of account opening.

• Citi® / AAdvantage® Platinum Select® Mastercard®: Earn 50,000 miles after spending $2,500 within the first three months of account opening.

• CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Earn 65,000 miles after spending $4,000 within the first four months of account opening.

• Citi® / AAdvantage® Executive Mastercard®: Earn 70,000 miles after spending $7,000 within the first three months of account opening.

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United MileagePlus

United miles never expire, making them one of the best rewards currencies around. If you’re not redeeming them for United flights, check its robust list of Star Alliance airline partners to see if you can find better redemptions to popular destinations like New Zealand or Hawaii.

• United Gateway℠ Card: Limited-time Offer: Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

• United℠ Explorer Card: Limited-time Offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

• United Quest℠ Card: Limited-time Offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

• United Club℠ Infinite Card: Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

• United℠ Business Card: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

• United Club℠ Business Card: Earn 50,000 miles after spending $5,000 within the first three months of account opening.

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Delta SkyMiles

You won’t ever have to worry about Delta SkyMiles expiring, and they can be used to fly with any number of SkyTeam airline partners to destinations as far away as Australia.

• Delta SkyMiles® Gold American Express Card*: Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

• Delta SkyMiles® Gold Business American Express Card*: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.

• Delta SkyMiles® Platinum American Express Card*: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

• Delta SkyMiles® Platinum Business American Express Card*: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

• Delta SkyMiles® Reserve American Express Card*: Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

• Delta SkyMiles® Reserve Business American Express Card*: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

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Southwest Rapid Rewards

For award redemptions closer to home, Southwest Rapid Rewards points are a great asset, giving you plenty of options for flights throughout North and Central America, Mexico and the Caribbean. Best of all, points never expire.

• Southwest Rapid Rewards® Plus Credit Card: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

• Southwest Rapid Rewards® Priority Credit Card: Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 months from account opening.

• Southwest Rapid Rewards® Premier Credit Card: Earn 50,000 bonus points after you spend $1,000 on purchases in the first 3 months from account opening.

• Southwest Rapid Rewards® Premier Business Credit Card: Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

• Southwest Rapid Rewards® Performance Business Credit Card: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

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Alaska MileagePlan

While your miles will never expire, Alaska Airlines can still technically lock your account if there’s no activity for two years. That said, you can call customer service to have it unlocked and your miles reactivated.

• Alaska Airlines Visa® Signature card: Earn 60,000 miles once you spend $3,000 within the first 90 days of account opening — and earn Alaska’s $99 Companion Fare each year after you spend $6,000.

• Alaska Airlines Visa® Business Card: Earn 50,000 miles, plus Alaska’s $99 Companion Fare, after spending $3,000 within the first 90 days of opening your account.

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Keeping track of your points and miles

Sign up for a free account with AwardWallet to track how many points and miles you’ve earned across nearly 700 loyalty programs. It’s also a great way to keep tabs on upcoming expiration dates.

Get into the habit of checking in with your preferred loyalty programs every so often to make sure all your flights and hotel stays have been added to your account so you can flag any errors or track down missing rewards.

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How to keep your account active

Spending with the travel credit card or co-branded card that’s associated with your preferred loyalty program is the easiest way to keep your account active. You could also book more flights or hotels, which would let you earn even more rewards, or redeem them to cover some or all of your next trip.

Alternatively, see if your loyalty program has an online shopping portal or dining rewards program, or if you can fill out surveys, donate or buy points and miles or simply transfer them to an airline or hotel partner.

If all else fails and you don’t have enough saved up for any significant travel, cash in your rewards for merchandise or gift cards, or see if you can use them to cover recent purchases or receive cash back.

Another tip: Instead of returning an item purchased with a rewards-earning credit card, see if it’s possible to do an exchange or opt for store credit, as making a return would result in a loss of those earned rewards points.

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How to reinstate expired points and miles

We touched on this earlier in the American Airlines and Alaska Airlines sections, but certain loyalty programs will allow you a little grace if your rewards expire, though you’ll likely need to pay a fee to reinstate them.

Frontier Airlines, for instance, lets you reactivate your miles by paying anywhere from $50 to $500 depending on how many have expired.

Emirates, meanwhile, lets you reinstate up to 50,000 miles annually as long as they have expired within the last six months and you pay $20 for every 1,000 miles. Note that if you have miles set to expire in the next 90 days, you can extend that date for up to 12 months by paying that same rate.

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Bottom Line

Don’t let your hard-earned points and miles go to waste. By staying on top of your accounts, either by checking them every so often manually or with the help of a service like AwardWallet, you’ll be able to keep your rewards accounts active and use points and miles to save money on future trips.

* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by Lonely Planet. The card details on this page have not been reviewed or provided by the card issuer.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.