If we cancel or end your Card Account in accordance with the Card Account agreement, you will lose the Points that you have earned but not yet redeemed.
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Because your rewards are managed by the card issuer, closing the credit card could result in losing the rewards. However, you'll often have a small window of time when you can redeem your rewards after closing your card—it just depends on the card issuer's rules and the card's terms.
A credit card can be canceled without harming your credit score?. To avoid damage to your credit score, paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score).
If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.