How to protect your Panera points while you are alive
There is no way to name a beneficiary or successor on a Panera account. Panera allows no lifetime transfer of points; the account holder can only redeem them.
Because Panera's terms forfeit Panera points at death, anything preserved is moved or used while the account holder is alive. There is no way to name a beneficiary or successor on a Panera account. Panera allows no lifetime transfer of points; the account holder can only redeem them.
How to protect your Panera points
Naming who acts after a death
- Designation
There is no beneficiary designation on a MyPanera account, and the membership may not be sold, transferred or assigned to, or otherwise shared with, family, friends or others.1
What Panera, LLC's terms say about sharing and transfers6
- Pooling with family
MyPanera offers no family pooling or sharing.2
Each person may hold one MyPanera account, which is personal to the member; signing up for more than one account per person constitutes fraud, and Panera will cancel all accounts and revoke all Points and rewards.2
- Transferring the account or registration
The MyPanera membership is personal to the member and may not be sold, transferred or assigned to, or otherwise shared with, family, friends or others.1
- Gifting and purchases for others
Points, membership tiers, rewards and benefits may not be gifted, purchased, sold, bartered, brokered or otherwise transferred.1
- Family plans and household sharing
Membership tiers are individual, earned by the member's own calendar-year spend or by holding the paid subscription, and the Sip Club is limited to one subscription per person.2
- Expiry and activity requirements
All Points expire after 180 days without Active Membership, which means making a valid purchase linked to the account, redeeming Points, or redeeming a Sip Club beverage.1
Redemption starts at 250 points, and every claimed reward carries its own expiration date, noted on the reward.3
- Fees
MyPanera+ Sip Club costs $14.99 per month or $119.99 per year, plus tax, and the terms note it may only be available for a limited time at those prices. The monthly Billing Cycle runs every 30 days from the subscribe date and the annual one every 365 days.4
Sources4
- 1.Additional Terms for MyPanera Program
- 2.Panera Terms of Use, Last Updated: August 19, 2026
- 3.MyPanera FAQ
- 4.Sip Club Subscription Terms and Conditions, Effective Date: August 19, 2026
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).
Sources
Data sourced from Panera, LLC primary sources (6 pages reviewed). How we research.
Panera customer support
Panera Customer Care / guest care
Phone
Toll-free
Hours
Website
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