Do my rewards points expire when my credit card does?

By Ava Crawford and Amelia Hetherington
Fact Checked
Advertiser disclosure
Credit-cards-in-wallet

If you’ve built up a decent amount of credit card rewards points, you’ll want to make sure you get to use them. Each credit card offers a different rewards system - with some cards allowing you to automatically earn Qantas Points, while other companies have their own points systems where you can earn points and later convert them into rewards - such as frequent flyer points.

But if your credit card expires, what does that mean for your hard-earned points?

Your credit card’s expiry date tells you when your physical card is about to expire, not your credit account, so as long as your rewards credit card account is open and active with your banking institution, your rewards points should be safe.

Can I lose my rewards points?

With some rewards programs, points do have expiry dates, so even if your card hasn't expired, you should check the policies of your credit provider to be sure that your points are safe long-term.

Some credit card companies also have caps on how many reward points you can earn within a certain time period. Make sure you double-check your card’s policy if you’re concerned that your dollars could be spent unrewarded.

Also, if you do decide to close your credit card account completely, or it gets closed due to inactivity, your points may still live on. Rewards points are sometimes available for a short amount of time after your account is deactivated, so check first before assuming that they are gone for good.

If you are interested in getting a new credit card that earns you rewards points, there are some options for you to check out below.

Rewards Credit Cards - last updated 5 December 2025

Search promoted rewards credit cards below or do a full Mozo database search. Advertiser disclosure
  • Apply By 2 Dec 2025
    American Express Explorer® Credit Card

    Membership Rewards

    $395

    50,000

    2 points uncapped

    Receive 50,000 Bonus Membership Rewards® Points when you apply online by 3 February 2026, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

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  • American Express Velocity Platinum Card

    Velocity Frequent Flyer

    $440

    60,000

    1.25 points uncapped

    Receive 60,000 bonus Velocity Points when you apply online, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

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  • Apply By 27 Jan 2026
    American Express Essential® Rewards Credit Card

    Membership Rewards

    $108

    40,000

    1 point uncapped

    Receive 40,000 Bonus Membership Rewards® Points when you apply online by 27 January 2026, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

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  • Apply By 4 Aug 2026
    American Express Velocity Escape Plus Card

    Velocity Frequent Flyer

    $95

    30,000

    1 point up to 12,000 points/year, then
    0.75 points uncapped

    Receive 30,000 bonus Velocity Points when you apply online by 4 August 2026, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Escape Plus Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

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^See information about the Mozo Experts Choice Rewards Credit Card Awards

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