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TPG reader @OogbieBoogie tweeted me to ask about rewards left behind by a loved one:

@ThePointsGuy — “My father-in-law passed away. He has 46,000 Southwest points; Is it worth spending $460 to transfer them to one of our accounts?”

First, please let me offer my condolences. Dealing with death is not an easy thing — and unfortunately, airlines don’t make it much easier. Some airlines will charge you a fee to transfer points, but most will close out the account, as is the case with Southwest:

“Points may not be transferred to a Member’s estate or as part of a settlement, inheritance, or will. In the event of a Member’s death, his/her account will become inactive after 24 months from the last earning date (unless the account is requested to be closed) and points will be unavailable for use.”

Image courtesy of Gil C / Shutterstock.com
Image courtesy of Gil C / Shutterstock.com.

Thankfully, as long as you have your father-in-law’s login information, there’s no need to let those points go to waste. 46,000 Southwest points are worth about $600 in Wanna Get Away fares; paying $460 to transfer them to another account really hacks away at that value. However, you can use Southwest Rapid Rewards points to book travel for anyone, so if you don’t tell Southwest that he passed away, you can likely use those points for whomever you’d like.

Once you use up the points, you can just let the account go dormant and not worry about it. That’s how you’ll get the maximum value for those rewards. Don’t give free money to the airlines; they don’t need it.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.