Do Airline Miles and Bank Points Expire?

Many loyalty programs expire points after a period of account inactivity, often between twelve and twenty-four months. Some programs count any qualifying activity, including a partner purchase, as enough to reset the clock, while others only count travel activity. Bank reward points often expire on a fixed annual cycle regardless of activity. If you are not planning to use a balance soon, it is worth checking your specific program's current policy rather than assuming a standard rule applies.