What to do when a Chase UR account holder dies
JPMorgan Chase has a formal process for transferring points after an account holder dies
OverviewWhen someone dies
Chase Estate Services
Phone+1 866 926 6909
Timeline
No published timeline for estate processing. Chase states that "required documents may vary by account and state requirements and may impact settlement time." The automatic points-to-statement-credit conversion appears to happen upon death notification, not after a waiting period. For voluntary account closure (non-death), there is a 30-day window to use points before forfeiture.
WebsiteSubmit claim online →
HoursMon-Fri 8am-7pm ET
Verified May 2026
JPMorgan Chase allows Chase UR points to be transferred to the estate or heirs when an account holder dies.
How to request a transfer
To request a transfer of Chase UR points after an account holder's death, follow these steps:
1
Notify Chase of the death through any of three channels:
- •Online: chase.com/personal/estate-services (death notification form)
- •Phone: Chase Estate Services at 1-866-926-6909 (Mon-Fri 8am-7pm ET); for J.P. Morgan Securities/investment accounts, 1-800-648-4782 (Mon-Fri 8am-8pm ET, Sat 8am-6pm ET)
- •In person: Any Chase branch
2
Understand the automatic points conversion. Upon notification of death, Chase automatically redeems all Ultimate Rewards points for cash as a statement credit at 1 cent per point. The estate does not choose the redemption method.
3
If the statement credit exceeds the outstanding balance, the surplus is refunded to the estate as a check. If there is a balance owed, the statement credit reduces the amount the estate owes.
4
Submit required documentation:
- •Death certificate (certified copy may be required)
- •Photo identification (passport, driver's license, or state ID)
- •Deceased's Social Security number and/or account number
- •Letters Testamentary or Letters of Administration from probate court
5
Anyone can notify Chase of the death, but only the executor, administrator, estate attorney, or personal representative can receive account information.
6
Act before the estate is settled. Once points are converted to a statement credit, the value is preserved in the account balance. However, if the card account is closed for non-payment before Chase is notified of the death, points may be forfeited entirely (immediate forfeiture for fraud, non-payment, or bankruptcy).
Required Documents
- Death certificate (certified copy may be required)
- Photo identification of executor/administrator
- Deceased's Social Security number and/or account number
- Letters Testamentary or Letters of Administration
Timeline
No published timeline for estate processing. Chase states that "required documents may vary by account and state requirements and may impact settlement time." The automatic points-to-statement-credit conversion appears to happen upon death notification, not after a waiting period. For voluntary account closure (non-death), there is a 30-day window to use points before forfeiture.
Frequently asked questions
Points are automatically redeemed for cash as a statement credit at 1 cent per point. The Rewards Program Agreement states: "If we're notified of your death, your points will be automatically redeemed for cash in the form of an account statement credit." If the credit exceeds the outstanding balance, the surplus is refunded to the estate. The estate cannot request partner transfers or other higher-value redemptions.
No. The agreement states: "Points aren't your property. Points can't be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce." However, the automatic conversion to a statement credit at death effectively preserves value for the estate, making Chase more estate-friendly than programs that simply forfeit points.
Transfer points to airline and hotel partner loyalty programs during your lifetime. Add a family member as an authorized user and transfer points to their frequent flyer or hotel loyalty accounts. Once points are in a partner program, they follow that program's rules. The automatic death conversion at 1 cent per point is below the typical value achievable through partner transfers (1.5-2+ cents per point).
No, as long as your account is open and in good standing. If your account is closed voluntarily, you have 30 days to use points. If closed for fraud, non-payment, or bankruptcy, points are immediately forfeited. At death, points are automatically converted to a statement credit.
Yes. Because Chase automatically converts points to a statement credit at 1 cent per point upon death notification, a large unredeemed balance loses value compared to what partner transfers could achieve. The most effective estate planning step is to transfer points to airline or hotel partner programs during your lifetime. Points in a partner program follow that program's rules and may be more transferable. Also inform your executor that Chase handles death notification through Chase Estate Services at 1-866-926-6909 (Mon-Fri 8am-7pm ET) or the online form at chase.com/personal/estate-services, and that notification of death triggers the automatic statement-credit conversion -- the executor does not need to request it manually.
The recipient can use transferred points under the program's normal terms. Keeping the deceased account holder's account number and contact details on file simplifies this process for the executor or surviving family.
Chase Estate Services
Phone+1 866 926 6909
Timeline
No published timeline for estate processing. Chase states that "required documents may vary by account and state requirements and may impact settlement time." The automatic points-to-statement-credit conversion appears to happen upon death notification, not after a waiting period. For voluntary account closure (non-death), there is a 30-day window to use points before forfeiture.
WebsiteSubmit claim online →
HoursMon-Fri 8am-7pm ET
Verified May 2026
