What Will Happen To Your Points If You Cancel Your Credit Card

Have you always wondered what will happen to your points if you cancel your credit card? Are you worried that you will lose your points? In this article, you will learn the answer to this question.

VIDEO – What Will Happen To Your Points If You Cancel Your Credit Card

“In-house” travel credit card points

If you have a credit card that has an “in-house” travel points program, then you will lose your points when you cancel your credit card. Credit cards that have an “in-house” travel points program includes:

  • CIBC Aventura
  • RBC Avion
  • American Express

CIBC Aventura points can no longer be transferred to Aeroplan. This leaves you with one option if you decide to cancel your credit card. And that option is to use up your points before cancelling your CIBC Aventura Visa card.

RBC Avion is partners with several frequent flyer program such as British Airways Avios, Asia Miles, and American Airlines. For the RBC Avion card, it would be your best interest to transfer your points out of the credit card before making a cancellation.

American Express is the same as the RBC Avion card. You will also lose your points upon credit card cancellation. Your best bet is to transfer your AMEX MR points to Aeroplan or Avios before making a cancellation.

Third party program

Credit cards that earn points that goes towards a third party points program does not have the risk of your points disappearing. Here are the following programs that you won’t risk losing points should you cancel your credit card:

  • Aeroplan
  • British Airways Avios
  • Alaska Airlines
  • Asia Miles
  • Marriott Bonvoy
  • Best Western
  • WestJet

Basically, if you hold any AMEX, CIBC, TD, RBC, and MBNA credit cards where points you earn goes directly to the points program mentioned above, then your points are safe from disappearing should you cancel your credit card.


If you decide to make a credit card cancellation, do make sure that your points will not disappear. You can do that by checking to see if your points is an “in-house” program or if your points goes to a third party program. If your points is “in-house” then make a redemption first to ensure you benefit from the points rather than it disappearing. By following this guide, you can prevent your points from disappearing before you get a chance to redeem them.

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2 thoughts on “What Will Happen To Your Points If You Cancel Your Credit Card”

  1. Article missed the mark for me, I recently canceled a card and foolishly forgot to review my point balance, i was hoping for legitimate tips on how to restore my points.. any genius can figure out to transfer points out before cancelling thats not an article worth written thats like saying the sky is blue.

    1. Let me get this straight. You are insulting me because you messed up and forgot to transfer your points out and expected this article to help restore your points? Nice. The title clearly states what the article is about, and what it’s not about restoring points. It’s about which types of credit card requires you to transfer your points out before cancelling and which you don’t need to take any action before cancelling. Constructive criticism is welcome, attacks are not.

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