Some people spend decades building up credit card rewards. Frequent travelers may accumulate hundreds of thousands of airline miles or hotel points, while everyday spending can generate sizable cash-back balances and flexible rewards over time.
Those rewards can represent real value, but what happens to them after you die isn't always straightforward. Unlike money in a bank account, credit card rewards are governed by the terms of each card issuer and loyalty program, which determine whether your heirs can inherit or redeem them.
