Unfortunately, if your account is closed for missed payments, program misuse or other reasons detailed in your user agreement, you will forfeit your points.

If your Chase Sapphire Ultimate Rewards points have disappeared, the most common reason is the closing of your credit card account. Unlike airline miles, which stay in your frequent flyer account, Chase points are tied directly to your active card account. If you close the card without first transferring the points to another Chase card or a travel partner, they are forfeited immediately. Other reasons include missed payments; if your account is not in "good standing" due to multiple late payments, Chase may suspend or revoke your points. Furthermore, your points may be forfeited if Chase suspects "program misuse" or fraudulent activity, such as "churning" (opening and closing accounts solely for bonuses). In 2026, it is vital to remember that while Chase points do not expire due to inactivity, they only remain safe as long as at least one of your Ultimate Rewards-earning cards remains open and in good standing.