Estate planning as a FordPass account holder

FordPass Rewards — called the Ford Rewards Program in Ford's current account terms — is Ford Motor Company's owner loyalty program. A member is enrolled automatically when a Ford account is created, and earns points on Ford, Motorcraft and Omnicraft parts and the associated labor at a participating dealer, on app and site activity, and on qualifying vehicle purchases. Points redeem for items and services from Ford, for discounts on a vehicle, service, parts or accessories at a participating dealer and on ford.com, and for eligible Connected Services or other monthly or annual payments. The program has three tiers — Bronze, Silver and Blue — and is managed in the Ford / FordPass app, which also pairs the member's vehicles for connected features. The estate-relevant asset is the points balance held under the member account. Ford's terms state that points and qualifying tier activities are not transferrable, that points have no cash value, and that points are not considered the member's property.

When a FordPass account holder dies, their points are forfeited. The program's terms state that points do not constitute property of the account holder and cannot be transferred upon death, by operation of law, or through estate planning documents.

What happens at death

Ford does not publish a deceased-member transfer or estate-claim process for FordPass Rewards / Ford Rewards points, and the current Ford Account & App Terms (Version 3.1, effective June 10, 2026) contain no reference to death, a decedent, an estate, an heir, or a next of kin anywhere in the document. The Rewards Program Terms make the points effectively forfeited at death. They state that "Points do not have any cash value. Points are only a measurement of your activities in the Rewards Program and are not considered your property. Points are not redeemable for cash, check, or any other form of credit." They are also expressly non-transferable: "Points and Qualifying Tier Activities are not transferrable." Participation is described as a privilege Ford can suspend, revoke, or terminate at any time for any reason, and on termination "all Points associated with your Membership and Membership benefits, including Tier benefits, will be forfeited immediately upon termination." Cancelling a membership has the same effect: "Accrued Points will immediately be forfeited upon cancellation," along with tier status and tier benefits. Separately, a points balance expires and is forfeited when the member has not earned points or a tier activity, or redeemed points, for eighteen consecutive calendar months. Because points carry no cash value, cannot be transferred, are not treated as the member's property, and have no estate process, an executor cannot claim or move them; any unused balance is effectively lost. Points are tied to the member account rather than to a vehicle — the terms let a member remove a VIN from the account at any time, and nothing in the Rewards Terms ties a points balance to a vehicle sale — so a vehicle that passes to a new owner is simply removed from the decedent's account and added to the new owner's own account, and does not carry the decedent's points with it. Points earned on the Ford Rewards Visa Signature credit card, issued by Comenity Capital Bank, sit in the same Ford Rewards balance and are governed by these same Rewards Terms, so they forfeit on the same footing; the card itself remains usable if the membership is cancelled, but it stops earning points.

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