Do Chase Points Expire?

The Chase Debit Rewards program for debit card users ended in 2011. However, customers do not lose the points they accumulated. Holders of Chase credit cards can still earn points through the Chase Ultimate Rewards program -- and these points never expire. This is a big advantage, especially if you do not use your card often. You can manage and redeem your points through There is no paperwork required to enroll -- simply use your credit card to start earning. For debit card users, points earned through the Debit Rewards program cannot be transferred or combined with points from the Ultimate Rewards program.

You can accumulate points for years before redeeming them, if you choose. You can use your points towards vacations, merchandise, gift cards, or get cash back. When you redeem your points, items are priced the same as you would expect to pay in a store. The Ultimate Rewards program is in addition to any cash back offers or bonuses the credit cards offer.

Qualifying Credit Cards

At the time of publication, there are five Chase credit cards participating in the Ultimate Rewards program. You can earn points on purchases made using your Chase Freedom, Chase Sapphire, Chase Sapphire Preferred, Chase Ink Bold and Chase Ink Bold Plus. If you have more than one Chase card earning points, you can transfer points among the cards.


When you make a purchase using your participating Chase card, you earn at least one point for every dollar spent on all purchases. When your statement closes, the points you earned are deposited into your rewards account. Certain cards offer annual bonus points or earn double points on specified purchases. For instance, if you use the Sapphire Preferred card for hotels or restaurants, you will earn two points for each dollar of your purchase instead of one. If you earn points using the Sapphire Preferred, Ink Bold or Ink Plus cards, you have the ability to transfer points to a participating travel partner, including British Airways, Southwest, United, Hyatt, Marriott and Amtrak. When you redeem points for travel, points are worth 25 percent more for all Chase credit cards.


You can redeem your points once you earn a minimum of 2,000. If you choose to redeem your points for cash, the points are worth about 1 cent apiece. Starting at 2,000 points, you can turn them in for a $20 check or a $20 credit on your statement. You can also redeem your points for gift cards -- options include major retailers and restaurants, such as Macy's, Gap, Kohls and Red Robin.