Your cash back rewards won’t expire as long as you maintain your cash back rewards account in good standing and with a major bank. Some smaller subprime cash back cards may place expiration dates on your earnings, and others may have more broad rules that could result in the loss of your cash back. Of the major card issuers, American Express, Bank of America, Barclays, Capital One, Chase, and Wells Fargo will never let your rewards expire as long as your account is open and in good standing. As for the others: Discover cash back will never expire. However, if you close your account or if you don’t use it for 18 consecutive months, the bank will close your account and credit you with any cash back balance you hold. USAA cash back will expire 90 calendar days after you close your account for any reason. You can contact the bank at 800-980-8722 during this time to access your rewards. U.S. Bank cash back expires 36 months after the billing cycle in which it was earned. To maintain your cash back balance, you must keep your account open and active while making on-time payments. None of the ranked cards above currently have late payment penalties that include loss of rewards, but rules and limitations are always subject to change.