Chase Sapphire Reserve℠
Reader
Question

Sunday Reader Question: How to Keep Miles and Points From Expiring

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

TPG reader James writes:

“What is the best way to avoid miles/points from expiring? Does transferring a small amount to the particular account from either Membership Rewards or Ultimate Rewards extend the lifetime?”

Yes, transferring points from American Express, Chase or a hotel program to an airline, will generally reset the expiration clock. Additionally, purchasing an item though the online shopping portals and thus earning miles through that method will also extend the expiration. Apple iTunes is a merchant on most portals, so buying a single song can keep your miles/points active – something most people don’t realize.

There are, however, exceptions such as Singapore Airlines miles which expire after three years from when they are earned. They can be extended once for 6 months (12 months for elites), but after that you lose them. I recommend checking the expiration policy for your airline just to be safe. Some airlines, like Delta, don’t have expiration dates and this Wikipedia post has a rundown of expiration policies of most major frequent flyer programs.

I recommend using an online mileage tracker like Award Wallet, which will alert you if any of your mileage balances are in risk of expiration.

As a last resort option, you can also swap points on points.com, though swapping large balances is generally a bad deal. However, letting miles expire is the worst possible deal and basically amounts to throwing money in the trash.

Starwood Preferred Guest® Credit Card from American Express

Apply Now
  • Get 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 15.49%-19.49% Variable $0 introductory annual fee for the first year, then $95. 2.70% Excellent Credit