Planning ahead for your McDonald’s points
McDonald’s Corporation points cannot be transferred and have no beneficiary option — here is what you can do while the account is active
McDonald’s Customer Service (Contact Us / online feedback form)
McDonald’s Customer Service (Contact Us / online feedback form)
(General customer service)
Under McDonald’s Corporation's policy, points have no value after death. Every strategy for preserving McDonald’s points depends on steps taken while the account holder is alive.
How to protect your McDonald’s points
5 lifetime planning steps for your McDonald’s points:
Family sharing
MyMcDonald’s Rewards has no family-pooling, shared-account, or points-gifting feature. The McDonald’s Online Services terms state that points "are not assignable or transferrable between online services accounts or otherwise, and points cannot be combined across accounts, regardless of who registered the account." Points stay in the single account that earned them and can only be redeemed by that account holder in the McDonald’s app, one reward per order. The only way to share the value is to redeem points for food and give the food to someone else; the points themselves cannot move between people.
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Frequently asked questions
No. MyMcDonald’s Rewards has no beneficiary designation. The terms state that points are not property and that you have no vested right or interest in them, so there is nothing to assign to a beneficiary. A will can tell your executor that the account exists, but it cannot make a non-transferable loyalty balance transferable.
Treat the points as a use-them-now perk. Redeem them before they lapse, since they expire on the first day of the month after the sixth month from when they were earned and redemption starts at 1,500 points. Record the account email and phone number for your executor so the account can be identified, reported, and closed without your password. Remove or note any saved payment method used for Mobile Order & Pay, and record separately whether you hold an Arch Card balance, which is a different product.
An inventory listing the McDonald’s account lets a fiduciary identify it and act on it through the operator's official channels.
There is no beneficiary designation option for McDonald’s. This account type does not support naming a recipient the way bank or investment accounts do.
Sources
Data sourced from McDonald’s Corporation primary sources (8 pages reviewed). How we research.
McDonald’s Customer Service (Contact Us / online feedback form)
McDonald’s Customer Service (Contact Us / online feedback form)
(General customer service)
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