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Do Credit Card Points Expire? What You Need to Know
17.07.2024 - 22:05 / insider.com
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The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Miles for Business†, Citi Prestige® Card, Citi Strata Premier℠ Card. The details for these products have not been reviewed or provided by the issuer.
It's easy to earn points and miles by using rewards credit cards and joining hotel and airline loyalty programs, but when it comes time to redeem them, there's often some fine print to parse through.
Not only do different hotel and airline rewards programs have their own award charts specifying how many points or miles you'll need to book a hotel room or a flight, but programs also have their own expiration policies that dictate the lifespan of your hard-earned rewards.
In most cases, your points or miles will expire in 12 to 24 months from your last "account activity," which could be anything from purchasing points or miles to taking a flight to using an airline or hotel credit card to make a purchase.
Unlike many airline miles and hotel points, credit card points don't expire as long as you keep your account open and in good standing (meaning you continue to pay off your balances or communicate with the bank if you need any financial assistance).
Find out how much your airline, hotel, and bank loyalty program rewards are worth in Business Insider's guide to points and miles valuations.
Here are the main credit card points currencies, along with the top credit card options for earning each of them:
The Platinum Card® from American Express
American Express® Gold Card
The Blue Business® Plus Credit Card from American Express
19 airlines, including Delta, British Airways, and Virgin Atlantic
Three hotels — Choice, Hilton, and Marriott
Capital One Venture Rewards Credit Card
Capital One Spark Miles for Business†
17 airlines, including Air Canada
Three hotels — Accor, Wyndham, and Choice
Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card
10 airlines, including Southwest, United, and Virgin Atlantic
Three hotels — Hyatt, IHG, Marriott
Citi Prestige® Card
Citi Strata Premier℠ Card
These transferable credit card points can be extremely valuable, not just because you have so many options for using them to book travel, but also because there are certain sweet spots you can use to your advantage.
For example, if you have the Chase Sapphire Reserve, your Ultimate Rewards points are worth 50% more when you book
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