Does Chase close credit cards for inactivity?
Chase typically waits 12-18 months before closing an inactive card and will sometimes notify you first, but relationship and credit-line factors play a role.
Closure window
~12–18 mo
Advance notice
sometimes
Suggested charge
every 120d
How Chase's inactivity policy works
Chase sometimes warns you first, but not reliably. Like every issuer, they don't publish an official inactivity threshold, and the exact timing depends on factors like your overall relationship, credit line, and account age. Based on widely reported cardholder data, an unused Chase card is at risk somewhere between 12 and 18 months without a posted transaction.
How to keep your Chase card open
Put a small transaction on the card before that window closes, roughly 3 times a year for Chase. The charge can be tiny; what matters is that it posts. Then make sure the statement balance is paid (autopay is easiest) so the activity doesn't turn into a missed payment.
Don't want to track this yourself?
KeepCardAlive runs a $0.99 charge on your Chase card every 120 days automatically, so it never goes idle. Cancel anytime.
Keep my Chase card aliveInactivity windows are approximate, based on public reports, and not guaranteed. KeepCardAlive is not affiliated with Chase.