Credit Cards

How To Prevent United Miles From Expiring

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 9 minute read

Even if you don’t plan to fly in the near future, there are various methods to protect your hard-earned points and miles from expiring in your reward accounts. If you’ve been reading FinanceBuzz for any length of time, you’re aware of their penchant for being able to earn airlines miles and points through a rewards network.

You may redeem your points for a free flight from the many participating airline partners, hotel stays, and more when you travel, spend with the proper credit card, or purchase through an online shopping portal from a participating site.

There are many ways to earn airline miles, hotel points for your favorite hotel chain, and restaurant points for participating restaurants, among other perks such as free checked bags and discounts when using the rewards network from various credit card companies when completing a qualifying activity.

However, there are situations that stop you from redeeming miles and points. As we’ve seen with the COVID-caused suspension to international travel, this is a real issue for many program participants right now.

What happens if you don’t travel for a while and don’t use your airline miles and points yet? And if so, what can you do to keep your hard-earned rewards and miles active?

Review the regular expiry policies that will lead to points expiration and any exceptions granted because of the epidemic for some of the most popular co-branded credit cards from the top credit card issuers and their airline rewards programs, and find out how to keep United Miles active.

The Expiry Rules of Four of the Best Credit Card Reward Programs

While some credit cards from a given credit card issuer may give you a percentage of your purchases back in the form of cash, there are others that allow you to accrue points or miles instead, which is great for frequent travelers. Most airlines will allow you to redeem miles for a free flight, while other airlines might not; typically small airlines.

It’s critical that you don’t allow your credit card points to expire, given how valuable they are.

American Express Membership Rewards Program

All American Express credit cards will allow you to accrue points for every dollar spent. Welcome bonuses, points for every dollar spent, and specific-category rewards are all available on various credit cards.

These points are part of the Amex Membership Rewards program, which allows you to use your points in a variety of ways, regardless of how they were acquired.

Use your Membership Rewards points in the following ways to maximize your savings:

  • Using Amex Travel to book your tickets and receive a 1 cent per point insider rate with over 40 different airlines, allowing you to earn more miles.
  • Pay 1 cent per point for upgrades to your existing paid flights.
  • Amex Travel offers a 1 cent per point rate for bookings at upscale hotels and resorts.
  • Amex Travel offers.7 cents per point for booking flights, cruises, and pre-paid hotel accommodations.
  • Your preferred airline or hotel may offer you the opportunity to transfer points to their own loyalty club so that you may redeem those points directly for award flights or hotel points from a specific hotel’s rewards program. Whether or not these hotel points expire depends on the hotel’s internal policy.

All the major airlines and hotel chains are transfer partners of American Express, meaning you can earn Best Western rewards, Marriott rewards, and even get benefits from the Hilton.

Do Amex Membership Rewards expire?

Our excellent news for you is that Membership Rewards points never expire. When you’re ready to travel again, your points will be waiting for you if your account is in good standing.

Chase Ultimate Rewards Program

Chase Ultimate Rewards is one of the most prominent credit card reward programs. It is possible to acquire these points through introduction incentives, everyday spending, and buying through the Ultimate Rewards site.

Chase Ultimate Rewards, like Amex Membership Rewards, gives cardholders the option to redeem their points in a variety of ways.

In order to get the most out of your points, you may either cash them in for a statement credit at a cent-per-point rate, or you can use them in other ways. With the Chase travel gateway, you can use your points to buy (often reduced) plane tickets, cruises, hotels, and car rentals.

You may be able to get even more out of these redemptions, though, if you have the right card(s).

A 25% bonus is given to Chase Sapphire Preferred customers when redeeming their points through the platform: 60,000 points now have a value of $750. (or 1.25 cents per point).

However, if you have the Chase Sapphire Reserve card, this bonus climbs to 50%, making 50,000 points worth $750.

Chase Ultimate Rewards transfer partners, like Southwest Airlines, JetBlue, British Airways, Air Canada, Spirit airlines, Delta air lines, World of Hyatt, and Marriott Bonvoy, may allow you to get even more value out of your points.

Is there a time limit on Chase points?

With the Chase Ultimate Rewards program, miles do not expire according to the expiration policies. This means, with the mileage expiration policies, all miles earned will be available to you whenever you want, letting you spend miles for free flights.

In some cases, you may lose points if your account is no longer in good standing, if you misuse the program, participate in fraudulent activities, or file for bankruptcy. So as long as you keep your account active and in good standing, you will be able to earn miles and redeem miles.

Citi ThankYou Points

ThankYou Points are a reward program offered by several Citi credit cards. Citi’s ThankYou program, on the other hand, is more difficult to use than other well-known platforms.

That’s because the value of your points and even the most basic redemption choices will depend on which cards you carry..

ThankYou points may be accrued by participating in Citi’s Welcome Bonus Promotions or by using a Citi ThankYou credit card.

You may then use these points to get cash back, gift cards, vacation, or to transfer funds to other Citi accounts.

Do Citi ThankYou Points expire?

Regardless of how you want to use your earned Citi ThankYou points, you can be certain that they won’t expire with numerous credit cards.

It is possible to transfer points from some older cards, such as the Diamond Preferred Rewards Card, the Citi Platinum with ThankYou Rewards Card, and the Citi Simplicity Rewards Card.expire, however.

It’s also important to keep an eye on the points that are given to or shared with you:

  • A person’s points that you get from them will expire 90 days after they are given to you.
  • A card like the Citi PremierPass/Expedia Card will expire your points if you don’t use them within 18 months of signing up.

Capital One Venture Miles

There are a few Capital One credit cards that reward you with Venture miles for your purchases.

No matter what you buy or where you buy it, you may earn Venture miles with the Capital One Venture Rewards and Capital One VentureOne Rewards credit cards.

Redemption options are straightforward: cash in on a statement credit or paper check, redeem to pay qualified travel costs that have been incurred on your card in the last 90 days, or plan a new trip using the Venture travel portal.

Using Capital One transfer partners, you may redeem your miles for award travel or hotel upgrades. You can also transfer your points to a Capital One transfer partner.

Do Capital One miles expire?

Capital One Venture miles have no time limit and are always valid. Your miles are yours as long as your account is active and in good standing.

But if you decide to terminate your account before redeeming all of those miles, you’ll lose those that you haven’t utilized.

The Following are the Expiration Dates for Several Types of Airline Mileage Programs

Miles may be redeemed for a variety of benefits, such as free flights, better seats, priority boarding, and even preferred status with some airlines.

There are several ways to accrue points: by flying, by using a credit card that gives you miles, or by transferring miles to your preferred airline’s partner credit card program.

Many of these schemes allow your miles to expire over time, so it’s crucial to keep an eye on your balance.

You’ll want to know where your miles stand if you decide to take a vacation from traveling, especially during and after the COVID-19 epidemic.

A look at some of the most popular domestic airline reward programs and whether or not your collected miles expire over time is provided in the following list of programs.

Do American Airlines miles expire?

After 18 months of inactivity, your American Airlines AAdvantage points will be canceled. In order to retain your American Airlines points in good standing, you will need to either earn or redeem them before the 18-month mark, which resets the clock.

If you don’t keep track of the expiration date of your miles, you can revive them once every 18 months. A price must be paid in order to reactivate your miles, although you may do so for as much as 500,000 miles.

Do Delta miles expire?

The good news is that Delta Skymiles don’t expire if you’ve been accumulating them. Even if you don’t fly for a while, your miles will be waiting for you when you return.

Do JetBlue points expire?

It’s called TrueBlue Points when you get points for flying with JetBlue. After a period of dormancy, the airline stated back in 2013 that they will continue operating for the rest of their lives.. That means that JetBlue points never expire.

Do Southwest points expire?

You get Rapid Rewards points if you sign up for a Southwest credit card or join the Rapid Rewards program. No matter how little activity there is on your account, your points will never expire.

Do United miles expire?

After 18 months of inactivity, United’s MileagePlus points expired. As in the fall of this year, the airline declared that these miles will no longer expire, regardless of how frequently you earn or redeem them.

How to Prevent Your Points and Airline Miles from Expiring

It’s still possible to keep your earnings valid even if many of the big-name programs are now using a no-expiration points mechanism.

These tips can help you keep your points and miles from expiring, no matter which airline or hotel chain you’re saving for.

  • Make your online purchases using a shopping platform. In order to maximize your benefits and maintain your accounts in good standing, use an online shopping gateway whenever possible. The American Airlines eShopping platform is an excellent option if you’re concerned about your AAdvantage points expiring soon. Shopping online at more than 950 retailers including Sam’s Club, Apple, Sephora, Nike and more may earn you miles and reset your account activity.
  • Use your miles to get a flight. In some programs, redeeming points for a future journey or a seat upgrade may allow you to keep your account current. You can typically schedule them far in advance as well, so if you need to, start planning your vacation now.
  • Become a member of a different program. When your travel rewards credit card points or miles are gathering dust, consider transferring some of them to a partner program so that they do not expire. A transfer of 500 to 1,000 points is possible in some cases.
  • Buy more miles or points. Many reward programs enable you to buy points or miles at any time to increase your account balances. With no other choices, buying as few additional points as feasible can prevent the depletion of your current balance.
  • Your points or miles can be donated to a good cause in your name. If you don’t know what to do with your remaining points but don’t want to take the chance of having them expire, read on. Do something helpful for someone else’s good will. Donating points or miles to a charity is a common option in many programs, and doing so is typically counted as a new account activity.

Bottom Line

A wonderful way to enjoy free cash, gift cards, and even vacation is to earn rewards on the things you already do—like flying, staying in hotels, or spending on your credit cards.

If you’re not diligent, the points and miles you accrue from these programs might expire due to account inactivity.

Track which loyalty programs allow your points and miles to expire, and keep track of how much time you spend on each of those programs.

Even if you’re about to lose your hard-earned prizes, there are a variety of quick and cheap fixes you may use to turn back the hands.

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