Cash for Credit Card Points
Sell Credit Card Points for Cash
We buy from eight bank programs: Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou, Capital One, Brex, and the Sapphire Reserve. Top market rates. PayPal payout the same business day.
Takes under 30 seconds.
Get a Quote
In under 30 seconds
Live market rates · updated today
Enter your balance to continue.
Quote calculated after a 30-second form. Specialist confirms by phone.
Where do we send your quote?
We'll show your estimate on the next screen and a specialist will call within 2 hours.
Calculating Payout
Securing current market demand and locking in rates.
Your quote
$0
for your points
Required Next Steps
1. Check email
We sent a verification link to:
you@example.com
2. Confirm identity
Click the verification link in that email to secure your account. Takes 30 seconds.
3. Finalize payout
A specialist will call you within 2 business hours to verify the transfer and send payment.
Verified Broker · 27+ Programs · Paid in under 1 Business Day
Bank Programs We Buy
Every transferable points currency in one place.
Eight bank-issued points currencies, all with multi-partner transfer relationships. Pick yours below for an instant quote, or use the calculator above.
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Amex Biz PlatinumSame business day via PayPal -
Amex MR (AUS)Same business day via PayPal -
Amex MR (EU/UK/CA)Same business day via PayPal -
Amex MR (Personal)Same business day via PayPal -
BrexSame business day via PayPal -
Capital OneSame business day via PayPal -
Sapphire ReserveSame business day via PayPal -
Chase URSame business day via PayPal -
Citi TYPSame business day via PayPal
iBuyPoints is an independent broker and is not affiliated with, endorsed by, or sponsored by any of these programs. All product names, logos, and brands are the property of their respective owners.
Our Process
How It Works
Convert your unused airline miles, credit card points, or hotel balances into cash in three simple steps. Safe, secure, and fast.
Delta SkyMiles Enter Balance
Select your loyalty program and enter your points balance. Our live rates system sets up your base estimate.
Confirm Offer
Provide your contact details. A points specialist calls you within 2 hours to verify account details and confirm the offer.
Receive Cash
Payment is sent securely via PayPal within 1 business day.
Why People Sell
Common Reasons Credit Card Members Cash Out
Most sellers fall into one of these categories. If you recognize your situation, you are in good company.
Lock in value before the next devaluation
Transferable points lose value every time a partner moves an award chart. Cash today is a known number. Next year is a guess.
Cash before the card closes
Most points programs end the moment your card does. If your statement cycle is your last, sell the balance first and finish the relationship clean.
Cash beats a weak redemption
When your only redemption math is a low-cent-per-point hotel night or a domestic economy flight, the dollar value of cash usually wins.
Immediate liquidity, no chase
Funds land in PayPal the same business day in most cases. No transfer-partner hunt. No waiting for award availability. Just cash.
Payment
We pay via PayPal.
One method, one timeline, one place the money lives. Most payouts arrive the same business day a specialist verifies the transfer. International sellers receive USD; PayPal handles the conversion on receipt.
No wire fees on our side. No bank-transfer paperwork to sign. The PayPal account you give us at quote acceptance is where the cash lands.
Discreet, manual, secure.
Every transaction is coordinated by a dedicated specialist by phone. We do not use automated bots and we never list your account on a public marketplace. The transfer process is designed to look like normal account activity from start to finish.
Ready to Cash Out Your Points?
Get your live estimate in under a minute. Most payouts complete within 1 business day.
FAQ
Frequently Asked Questions
Common questions, answered straight.
Payouts depend on the program, your balance, and current buyer demand. Submit your balance for an instant personalized quote. A specialist confirms the firm offer by phone within 2 business hours.
Most payouts complete within 1 business day of verification. Same business day is common. Payment is sent via PayPal.
Yes. Selling loyalty points is legal in the United States. iBuyPoints handles every transaction manually through a dedicated specialist. No automated bots, no shared logins, no public marketplace exposure. Your account stays low-profile.
Minimums vary by program. Some start at 100,000 points; some at 200,000. Each program page shows its specific minimum.
For most cardholders, redemption of points earned through spending is treated as a rebate, not income, under IRS Revenue Ruling 76-96. Cash received via a third-party payment platform like PayPal may trigger a 1099-K depending on volume. Talk to a tax advisor for your specific situation.
Usually no. Most issuers forfeit points the moment a points-earning card closes. If you are about to close a card, sell first.