One of the most common reasons why people think frequent flyer miles are worthless is because they had a bad experience with miles expiring. After all the effort put into collecting miles, it would be quite a shame if they expired without taking you on a dream vacation.

If you’ve ever had any of these questions, you are in the right place for answers: How long do you have until your miles expire? What can keep them from expiring? If you close a credit card, do the miles expire? Are the rules the same for all miles and points?

Will closing my co-branded card cause my miles to expire?

Closing a credit card that is co-branded with an airline (such as the Citi AAdvantage card or Chase United MileagePlus Explorer card) will never, by itself, cause your miles to expire. Co-branded credit cards deposit the miles you earn from signup bonuses and spending directly into the account you have with the airline, so they are no longer linked to the credit card. I have a United card. You can see that miles earned with a Chase United MileagePlus Explorer card are transferred to United:

And I confirm that by logging into my United account. So if I ever cancelled that card, the miles would still be safely in my United account.

What will cause my miles to expire?

What does cause miles to expire, however, is a lack of activity in the program account for a specified period of time.

  • Delta miles do not expire.
  • American Airlines, United Airlines, US Airways, and Hawaiian Airlines’ miles expire after 18 consecutive months of account inactivity
  • British Airways Avios expire after 36 consecutive months of account inactivity.

Full details on the expiration policies for some major airlines can be found here:

Delta SkyMiles Program

American Airlines AAdvantage Program

United MileagePlus Program

US Airways Dividend Miles Program

Hawaiian Airlines HawaiianMiles Program

British Airways Avios Program

The danger of mile expiration does often come when you cancel a credit card. If I cancel my Citi AAdvantage card, I am no longer earning American Airlines miles on purchases. I have to make sure that there is some sort of activity–either earning or redeeming–in my AAdvantage account within the next 18 months, or I will lose all my miles.

Luckily keeping your miles from expiring is trivially easy. Any earning or redeeming keeps them active.

How can I keep my miles from expiring?

If you are coming up on the 18 month deadline and need a quick way to keep your miles active, there are a number of things you can do.

  • Dining programs: Signing up for dining programs allows you to earn miles when you eat out at certain restaurants. Scott has details on how to use this to keep your miles active here.
  • Purchase miles: Purchasing miles is normally a bad idea, as you end up paying more than the value of the mile. However, if you need to keep your miles active, you can purchase a small number of miles in the program you need to keep active. Hawaiian Airlines charges $14.78 for 500 miles. United charges $35 + 7.5% tax for 1,000 miles. Google “purchase [airline] miles” to quickly be taken to any airline’s mile purchase page.
  • Donate miles: All the major carriers allow you to donate miles to non-profits such as the Make-A-Wish Foundation, Operation Hero, UNICEF, and various other charities. While this is best done out of the goodness of your heart, a donation of miles will also keep your account active. Scott has a post on where you can donate miles here.
  • Preservation fee: US Airways allows you to pay a $9 preservation fee after 15-17 months of account inactivity. This extends the life of your miles for another 18 months.

What if my miles have already expired?

Hopefully you are reading this before your miles expire. If, however, you let your miles expire, some programs let you buy back the miles you lost for a fee. These reactivation policies vary from program to program.

For example, American Airlines allows you to reactivate any miles that expired dating back to 2002. They charge $200 for up to 50,000 miles, $400 for up to 75,000 miles, and $600 for 75,000+ miles. US Airways allows you to buy back expired miles within 18 months of their expiration. They charge $400 to reinstate 100,000+ miles, $250 to reinstate 50,000-99,999 miles, etc.

The policies for buying back United Airlines miles and Hawaiian Airlines miles can be found by following the links.

In general, buying back your miles is a great deal. I would gladly pay $400 for 100k US Airways miles, which are enough for a roundtrip business class ticket to Europe. But, it’s better not to let your miles expire and have to pay the fee.

What about my bank points?

All that was about frequent flyer miles. Bank points are quite different.

Closing a credit card that earns bank points can cost you all of the points in the account. These cards hold the points that you earn in the credit card account–for example, the Ultimate Rewards points that you earn using your Chase Sapphire Preferred card are held in your Chase Sapphire Preferred account. If you were to simply cancel this card, you would lose all the points you worked to accumulate.

Luckily, transferable points are easily transferred to another account within that loyalty program. In order to avoid losing transferable points when you cancel a card, transfer them into another account within that loyalty program before you cancel.

In our example of cancelling a Sapphire Preferred, you would need to transfer your Ultimate Rewards into another account of yours that holds Ultimate Rewards to avoid the points disappearing. You could achieve this by transferring them into your Chase Ink Bold account or your Chase Ink Plus account.

Or, of course, you could transfer the points to one of the airline, hotel, or rail partners, so you could transfer the Sapphire Preferred’s Ultimate Rewards to United before canceling.


Frequent flyer miles do not expire when you close the credit card used to earn them, but they do usually expire after a set number of months of inactivity within that airline’s loyalty program account. In order to avoid your miles expiring, you can keep your account active by doing anything that changes the account balance like redeeming miles, signing up for a dining program, purchasing miles, or donating miles. If you accidentally allow your miles to expire, some airlines allow you to reinstate them for a fee.

Transferable bank points will disappear from your account when you close the credit card used to earn them. In order to avoid losing these points, transfer them to a transfer partner or another account within that bank’s loyalty program before you close the credit card.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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Earn 50,000 bonus points (worth $800 in American Airlines flights) after spending $3,000 in the first three months on the Citi Prestige® Card. Plus get a $250 Air Travel Credit each calendar year, free airport lounge access worldwide, and your fourth night free on hotel stays. Why I got the card.


  1. Good tips Alli. Here’s a useful one that I know works for AAdvantage miles– if you sign up for a Citi Aadvantage visa or Amex, you can pay $40 and have them reinstate all of your expired miles if you meet a certain minimum spend (I think it’s 3,000 or 4,000 in 3 months). This also counts towards the card’s minimum spend for your bonus, so it’s money you would be spending anyway. Just call AA and tell them you’d like to meet the spending challenge for reinstating expired miles. I had 39,000 expired miles reinstated from back when I didn’t know anything about miles and points, paying 0.1 cents per point.

    • Rob and Alli, I did a “Re-engagement Challenge” late last year to restore ~17K AA miles. The rules at that time was you pay $30 (non-refundable) to register for the challenge, and then have 6 months to earn 5000 “partner base miles” (so no signup bonuses, but any AAdvantage partner counted) OR earn miles on one round-trip flight. You have to subscribe to a couple of AA email lists, too. This was for balances <50K, for larger balances, the requirements got more difficult (have to earn partner base miles AND fly mileage-earning trips). Like Rob, I was working on signup bonuses, so it was a no-brainer to take the challenge.

    • I had not heard Citi Advantage reinstates the miles for $40, without also doing the spending challenge which requires $30, 2 RT flights plus 10k partner miles for over 100k miles. AA never mentioned this as an option to me. Can you post more details or a link for more information?
      Also, does anyone know if I had an Avis car rental w/in the time frame where I needed activity that I had not specified the rewards to AA, if I can now have them applied now?

        • I was interested in Rob’s post-I have not heard of this:
          “sign up for a Citi Aadvantage visa or Amex, you can pay $40 and have them reinstate all of your expired miles if you meet a certain minimum spend (I think it’s 3,000 or 4,000 in 3 months)…call AA and tell them you’d like to meet the spending challenge for reinstating expired miles.”
          My understanding for the other options to get back 129k expired miles is to pay $600, or do the re-engage challenge:$30, 2 Rts + 10k partner points. The Citi AA card would be easier for me if it’s only $40 and spending $3-4000.
          Your link is for this:
          Reactivate rates are as follows, plus 7.5% federal excise tax
          $200 – to reactivate 1 – 50,000 expired miles
          $400- to reactivate 50,001 – 75,000 expired miles
          $600 – to reactivate more than 75,000 expired miles

  2. There are so very many easy and cheap ways to keep accounts alive without buying them outright. Online shopping malls are the easiest and United also has their sill online digital music store. US Airways has the Broadway trivia thing.

    There is a LOT of missing information here for a “complete guide” to anything. :(

  3. At the very worst, you could do a exchange (free) into/ out of the account that is close to expiring.

  4. I think you need to add that “inactivity” means different things to different airlines. In particular, some of them require that you actually redeem points during the period and simply earning points doesn’t count as “activity.”

    For example Frontier’s FAQ states “Mileage in a member’s account will not expire so long as the member generates accrual activity in the account.” (I bet that word “accrual” misleads lots of people.)

    SouthWest, contrary to what you say above, says “Points do not have an expiration date and will remain active and valid as long as you have at least one qualifying earning activity every 24 months.”

    I hope you’ll correct the post, which could cause some folks to lose their miles!

  5. If you have the United Explorer card, your miles will not expire as long as you have the card whether you use it or not.
    If you don’t have the credit card, the easiest way to keep your miles from expiring with United and USair, and I assume the other programs, is to use the program’s respective shopping portal. You can buy one song for .99 cents from the iTunes Music Store link, and it will keep your account active for an additional 18 months.

  6. Hi My husband has 2 of the Hawaiian airlines credit card…if we cancel both cards the miles should still be in my husband mileage account? Last year I canceled virgin atlantic credit card and I never transferred the 40k miles out, because I thought it still will be in his mileage account. When I tried to 3 months later I could not find the miles anywhere in his virgin atlantic mileage account. I’m scared to cancel the Hawaiian airline credit card without transferring them out.

    • The Virgin Atlantic miles should still be there. The Hawaiian miles will be fine if you cancel the card. Airline miles don’t expire if you cancel the card until the airline’s expiration policy kicks in as stated in this article.

  7. I have the Hawaiian Airlines credit card, I got the bonus miles already because I made the $1000 in spend. Had it open 4 months. Can I cancel it now and keep the miles? I don’t see it listed on the Hawaiian Airlines website about closing accounts and keeping miles. Thanks.

    • Yes, but why cancel it now. Wait until you’ve had it 10-11 months so it looks like you cancelled to avoid the annual fee. If you cancel now, it looks like you gamed them for a bonus.

  8. Hi Scott. If i purchase the Citi AA card with the 50k points. Cancel the card before the membership fee is due. Do not use the miles before the 18 months is up. How do I use the dining program to keep the miles active? Thanks for your help. Great website, learning a lot!

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