I would have phrased the question as "Is it correct that Chase will close accounts that have zero balance for a long time?" I don't have the answer, but I put no spend on my Select card from the time I got the Premier card until there were Chase offers that interested me on the Select card. I don't recall how long that was, and perhaps I got lucky and the Chase offers showed up before Chase decided that my card had been dormant for too long. If anyone knows that Chase has a policy of closing dormant cards, please share the knowledge. I would think Chase would be happy to collect $49 per year whether there is spend or not, but I'm assuming Chase is not buying the free night certificate.