What happens to Chick-fil-A points when the owner dies

The Chick-fil-A One Terms state that "Participation in the Program is personal and non-transferable" and that points, membership tiers, rewards, and member benefits "may not be gifted, purchased, sold, bartered, brokered or otherwise transferred," with a narrow exception for gifting or donating that the program itself enables. The account is personal to the member, there is no beneficiary designation, and there is no published way to inherit points or member tier status. The program's sharing mechanism — Silver, Red, and Signature members can spend points on a reward and gift it to a friend or family member through a shareable link — is a lifetime feature the member exercises from their own account, and Chick-fil-A publishes nothing about a survivor using it. An executor can still ask Chick-fil-A CARES, as a goodwill matter, to pass the value to a named family member, since Chick-fil-A already gifts rewards and issues Be Our Guest cards, but there is no contractual right to it and Chick-fil-A decides at its discretion.

The loaded funds can. Chick-fil-A states that if you delete an account that still has unused funds, you may contact CARES to receive a digital gift card for any outstanding funds that remain on the account, and that you may also be eligible to receive a Be Our Guest card for certain rewards. Those funds are prepaid money, held as a Chick-fil-A One Digital Gift Card under Chick-fil-A's Gift Card Terms, which state that the cards do not expire, that no inactivity or service fees apply, and that a digital gift card balance may be transferred to a physical gift card on request. The app caps that balance at $200. The points themselves are different: the Terms give them no cash value, make them non-transferable, and state that they do not constitute property of any participant, so they cannot be cashed out or inherited.

Check the decedent's state unclaimed-property database. Chick-fil-A's Gift Card Terms state that where a card goes unused for a period of time, CFA Servco "may be required to turn over the remaining Card balance to a state under such state's unclaimed or abandoned property law," that Servco is then "released from any further liability or obligation with respect to your Card," and that the holder "may be required to contact the state's unclaimed property administrator to attempt to recover your unused Card balance." The terms also say Servco will make reasonable efforts to exempt cards from those laws, so this will not apply to every balance, but it explains an account that reads as empty and gives the estate somewhere else to look.

Chick-fil-A does not publish a dedicated bereavement or estate-claims process for Chick-fil-A One. A scan of the 510 customer-support FAQ pages listed in Chick-fil-A's own sitemap, plus the full text of the Chick-fil-A One Terms & Conditions, the Official Rules, and the Gift Card Terms, found no deceased-member, estate, or next-of-kin procedure anywhere. To report a death, close the account, and ask about recovering loaded funds, an executor contacts general Chick-fil-A CARES customer service (1-866-232-2040, Monday to Saturday, 9:00 AM to 10:00 PM Eastern Time) or the contact-cares form. Have the account name, email, and phone number ready, and be prepared to provide a death certificate and documentation of your estate authority if requested.

Chick-fil-A publishes no dedicated estate-claims form and no document list for a third party, so the executor works through general Chick-fil-A CARES customer service (1-866-232-2040, Monday to Saturday, 9:00 AM to 10:00 PM Eastern Time) or the contact-cares form. Have the account holder's full name and the email address and phone number on the Chick-fil-A One account ready so Chick-fil-A can locate it. Be prepared to provide a copy of the death certificate and documentation of your estate authority, for example Letters Testamentary or Letters of Administration, if CARES requests them when closing the account and issuing a digital gift card for any loaded funds. If a physical gift card or eGift card balance had been transferred into the app, keep the original receipt as well.