What happens to your points when you get a refund? The unfortunate answer is that, in most cases, the points you earned on the purchase will be deducted from your credit card points balance on your next statement.
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Cash-back cards win again for simplicity on redemption since one cash-back percentage point equals 1 cent per dollar spent. But when it comes to value, points and miles cards almost always come out on top. When redeeming points and miles, 1 point or mile is almost always worth more than 1 cent.
Credit card points and miles won't expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs do typically expire following a lack of activity.