Do you lose your points when you cancel your credit card? | Coffee Break Ep64 | 7-22-25
Frequent Miler on the Air
Frequent Miler
4.9 • 640 Ratings
🗓️ 22 July 2025
⏱️ 17 minutes
🧾️ Download transcript
Summary
Today, we'll talk about how to make sure you don't lose your points when you cancel a credit card. Since this varies by bank or points-type, we'll discuss tips for each situation.
Do you lose your points when you cancel your credit card?
(00:37) - Airline and Hotel cards... no, you won't lose your points.
(02:32) - Bank cards... yes, you could lose your points.
(03:48) - Chase solutions
(06:10) - Amex solutions
(09:27) - Citi's weird rules
(12:17) - Capital One solutions
(16:06) - Quick summary
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Music Credit – Beach Walk by Unicorn Heads
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Transcript
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| 0:00.0 | This is a Voyescape podcast. You can find all of our travel podcasts from around the world at voyescape.com. |
| 0:11.9 | Welcome to Coffee Break, where we focus on a single topic related to miles and points. |
| 0:16.8 | And each coffee break is limited to 20 minutes or less for your money back. |
| 0:22.1 | Today's coffee break, do you lose your points when you cancel your credit card? |
| 0:28.0 | Yeah, you know, this is a common area of confusion because if you just call and ask a representative, |
| 0:33.6 | representatives will sometimes give out unclear or sometimes just inaccurate information about this. |
| 0:39.9 | So it's important to know what to expect ahead of time and to know the answer rather than just |
| 0:45.1 | rely on the answer that somebody gives you over the phone. Right. So let's talk about this. |
| 0:50.1 | So if you have an airline or hotel credit card, when you cancel your card, do you lose your |
| 0:54.5 | airline miles or your hotel points? No, you don't. This is the thing that's the most often inaccurate |
| 1:01.1 | thing that call center reps will say. You know, you call up to cancel your Delta card, your American |
| 1:07.0 | Airlines card, whatever, and they'll tell you, well, if you cancel, you're going to |
| 1:13.1 | lose all your points. |
| 1:14.6 | And that's just flat out wrong. |
| 1:17.4 | I mean, I'm sure they think that, but they're wrong about that. |
| 1:21.3 | The airline miles that you've earned or hotel points, if it's a hotel credit card, they |
| 1:26.9 | lie with the airliner hotel |
| 1:29.2 | program, not with the bank that issues the credit card. |
| 1:33.6 | You can lose some. |
| 1:35.6 | So if you've done some spend and the points haven't yet gone to the airliner hotel program, |
| 1:43.9 | it's possible that you won't get those |
| 1:45.5 | few points at that point when you cancel. But in general, the answer is really easy there. |
... |
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