Don't Let Your Credit Card Rewards Expire
If your miles or points are expiring too soon, see if you can reset the clock by transferring some to another loyalty program.
- (opens in new tab)
- (opens in new tab)
- (opens in new tab)
- Newsletter sign up Newsletter

If you’ve been racking up points on your favorite rewards card (opens in new tab), now may be the time to use them. Depending on your card’s policy, you may lose points you haven’t redeemed if you haven’t used your card in a while. For example, Citi Double Cash rewards expire if you don’t earn cash back for 12 months by using the card or making payments.
Double check expiration policies on rewards cards that partner with travel programs. Because the pandemic kept a lot of folks grounded, many rewards programs extended their expiration deadlines, and you can expect additional extensions in 2022. The Marriott Bonvoy Boundless Visa, for example, extended the expiration of rewards for active and inactive accounts until March 31, 2022. Hilton Honors recently announced it extended its point-expiration date to December 31, 2022, and will allow elite members to keep this status through March 31, 2023.
If your miles or points are expiring sooner than you’d like, see whether you can reset the clock by transferring an amount to another loyalty program. For example, the Capital One Venture card allows cardholders to transfer miles to more than a dozen participating hotel and airline loyalty programs, including those of Air France, JetBlue and Wyndham Hotels & Resorts.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Rivan joined Kiplinger on Leap Day 2016 as a reporter for Kiplinger's Personal Finance magazine. She's now a staff writer for the magazine and helps produce content for Kiplinger.com. A Michigan native, she graduated from the University of Michigan in 2014 and from there freelanced as a local copy editor and proofreader, and served as a research assistant to a local Detroit journalist. Her work has been featured in the Ann Arbor Observer and Sage Business Researcher.
-
-
Can My Pension Trigger a Retirement Tax Bomb?
Key planning strategies like asset location and Roth conversions can dramatically reduce the taxes you pay throughout retirement and your heirs’ tax liability.
By David McClellan • Published
-
Being on a First-Name Basis Can Make Everything Better
This story of a doctor’s entitled spouse illustrates how establishing a friendly connection can sometimes resolve a spiraling situation with an unreasonable customer.
By H. Dennis Beaver, Esq. • Published
-
The Best Places to Visit Where the Dollar is Strong
From the Americas and Europe to Africa and Asia, we list the 10 best places to travel to where the U.S. dollar is the strongest.
By Quincy Williamson • Published
-
Best Cash Back Credit Cards March 2023
Smart Buying Looking for the credit card that pays the most cash back? These lenders may pay hundreds of dollars, with minimum hassle.
By Lisa Gerstner • Last updated
-
I-Bond Rate Is 6.89% for Next Six Months
Investing for Income If you missed out on the opportunity to buy I-bonds at their recent high, don’t despair. The new rate is still good, and even has a little sweetener built in.
By David Muhlbaum • Last updated
-
What Are I-Bonds?
savings bonds Inflation has made Series I savings bonds enormously popular with risk-averse investors. How do they work?
By Lisa Gerstner • Last updated
-
Your Guide to Open Enrollment 2023
Employee Benefits Health care costs continue to climb, but subsidies will make some plans more affordable.
By Rivan V. Stinson • Published
-
How to Make The Most of a Travel Insurance Claim
More travelers are buying insurance. If your trip is canceled, take these steps to increase your chances of recovery.
By Susan J. Wells • Last updated
-
Watch Out for Flood-Damaged Cars from Hurricane Ian
Buying & Leasing a Car In the wake of Hurricane Ian, more flood-damaged cars may hit the market. Car prices may rise further because of increased demand as well.
By Bob Niedt • Last updated
-
What You Need to Know About Life Insurance Settlements
life insurance If your life insurance payments don’t seem worth it anymore, consider these options for keeping the value.
By David Rodeck • Published