How to Use the Credit Card Points Expiry Calculator
Credit card rewards points can expire if not used in time. While major US issuers like Chase and Amex do not expire points as long as your account is open, many store cards and smaller issuers expire points after 12–36 months of inactivity. Enter your last earning date and the validity period to see when your points expire.
To avoid losing points, redeem them at least 30 days before expiry. Use them for travel, cashback, gift cards, or statement credits. Some issuers allow you to extend expiry by making any purchase — check your card's terms.
Frequently Asked Questions
No — Chase Ultimate Rewards and Amex Membership Rewards points do not expire as long as your account remains open in good standing. Points are only forfeited if you close the account or it is closed due to default.
Many inactivity-based expiry clocks reset with any new earning activity. Make a small purchase, redeem a portion of points, or transfer to a partner program before the deadline to keep them active.
Points typically expire on the stated calendar date regardless of weekends or holidays. To be safe, plan to use your points at least one day before the expiry date.