💙 Amex MR · 1.35¢ per point🏦 Chase UR · 1.50¢ per point — Market Best🔴 HSBC Rewards · 1.35¢ per point✅ Zero account risk — points stay in your portal⚡ Matched & completed in 1–3 days🛡️ Fully compliant with bank & airline rules💙 Amex MR · 1.35¢ per point🏦 Chase UR · 1.50¢ per point — Market Best🔴 HSBC Rewards · 1.35¢ per point✅ Zero account risk — points stay in your portal⚡ Matched & completed in 1–3 days🛡️ Fully compliant with bank & airline rules
💰 Updated daily · Best rates in market
Your points. Real cash. Zero risk.
We buy Amex MR, Chase UR, and HSBC Rewards at rates no other broker matches — through your own official portal. No transfers, no account risk, ever.
🛡️
A fundamentally safer modelYour points never leave your account. We match you to a real flight booking — you complete it through Amex Travel or Chase Travel, exactly as the bank intends. Zero risk of account ban or points loss.
💙 Amex MR 1.35¢
🏦 Chase UR 1.50¢
🔴 HSBC 1.35¢
✓ Min. 100,000 pts ·
✓ Matched in 1–3 days ·
✓ Payment on confirmation
We respond within 30 minutes · 9am–9pm ET · 7 days
✅ Received! We'll WhatsApp you shortly.
⚠️ Something went wrong — please try WhatsApp instead.
How it works
Different from every other broker. 🔄
Traditional brokers transfer your points into airline accounts — risky and low-value. We do it differently.
❌ Traditional brokers
Transfer points to an airline account
Risk of account ban & points loss
Violates bank terms of service
Lower rates, higher risk
Points leave your control permanently
✅ The PointsPaid way
Points stay in your account
Zero account risk, ever
Fully compliant — just booking travel
Higher rates, lower risk
You control the booking yourself
01
Tell us what you have
Let us know which program, how many points you want to monetize, and which cards you hold. A quick WhatsApp message is all it takes — no forms, no paperwork.
02
We match you to the right order
We connect your points to a real flight booking from our client base. A single premium booking often consumes 1M+ points, so we work to align the right order with your balance. This typically takes 1–3 days.
⚡ Usually 1–3 days
03
You complete the booking — in your own portal
We provide the flight details. You log into Amex Travel or Chase Travel — your own account, your own credentials — and complete the booking using your points. Exactly as the bank intends.
04
We pay you
Once the booking is confirmed, we send your cash immediately. PayPal, ACH, Zelle, or wire — whichever works best for you.
Current Rates
We pay more. Simple.
Rates reflect our ability to extract maximum value from each program's official portal. Requirements below apply to each card type.
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Amex Membership Rewards
All MR-earning cards accepted — see requirements below
💡 Large balances: Clients with 10M+ points across programs regularly receive rates above the listed tiers. Reach out directly for a custom quote — these conversations are handled personally.
Why PointsPaid
The only broker that protects you completely.
Our model is designed from the ground up to eliminate the risks that make most sellers hesitant.
🛡️
Zero account ban risk
You book through your own official portal — Amex Travel or Chase Travel. From the bank's perspective, you're simply booking a flight. No flags, no violations, no risk of losing your points balance.
📋
Fully compliant with bank & airline rules
Traditional brokers transfer points between accounts — a clear ToS violation. We use your points to book real flights through official channels, exactly as intended. Nothing to hide, nothing to worry about.
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Higher rates because we extract more value
By booking through Amex Travel with a Business Platinum or Chase Travel with a Sapphire Reserve, we unlock redemption values that far exceed what traditional brokers can offer — and share that upside with you.
🤝
We're building a long-term relationship
Most of our clients transact with us regularly. We're not chasing one-off deals — we want to be the partner you call every time your points balance needs clearing, month after month.
FAQ
Good questions. 🙋
No — never. Your points are used to complete a booking through your own Amex Travel or Chase Travel portal. They are applied to a flight reservation and consumed in the normal way, exactly as the bank intends. Nothing is transferred to a third-party account at any stage.
This is the core advantage of our model. Because you're simply booking a flight through the official portal, there is no unusual activity for the bank to flag. Traditional brokers who transfer points between accounts carry real account risk. We don't — and that's by design.
The Amex Business Platinum provides a 35% points rebate when booking flights with your selected airline (UA, DL, or AA) through Amex Travel. This benefit is what allows us to offer you 1.35¢ per point — it's the engine behind our rate. Your other MR-earning cards can contribute points to the pool, but at least one Business Platinum is required in the setup.
The CSR and CSR Business unlock 1.5¢ per point value when redeeming through Chase Travel. Without it, Chase points are worth only 1¢ through the portal. The Sapphire Reserve is what creates the spread that makes our 1.50¢ buyback rate possible.
The minimum is 100,000 points per transaction. This is because a single premium flight booking typically requires 200,000–1,000,000+ points, and we need enough to work with when matching orders. Smaller balances don't give us the flexibility to find the right booking for you.
From first contact to payment: typically 1–3 days. The majority of the time is spent matching your points balance to the right booking. Once matched, the booking and payment step usually completes within a few hours.
Absolutely — and most of our best clients do. Many cardholders generate 3–5M points per quarter across multiple programs. We handle repeat clients on an ongoing basis and can often prioritize your orders once we have an established relationship.
Ready to put your points to work? 💰
No risk. No transfers. Just cash — at the best rates available.
Your credit limit is a money machine. We'll run it for you.
We route real flight bookings through your high-multiplier cards — Amex Personal or Business Platinum, Chase Sapphire Reserve, HSBC Premier Elite, and more. You earn 5× points on every dollar spent. We buy those points back. Your net return: 1.75% on every dollar. No inventory. No shipping. Just bookings.
Currently accepting applications by invitation. We'll respond within a few hours.
📊 Example · $10,000 flight booking
Flight spend (your credit card)−$10,000
Points earned (5× on eligible cards)50,000 pts
Points sold to PointsPaid @ 1.35¢+$675
Flight reimbursed by PointsPaid+$9,500
Net profit
per $10,000 booking
+$175
1.75%
📈 Scale it up
$100,000 / year+$1,750
$500,000 / year (Personal Plat cap)+$8,750
$1,000,000+ / year (Biz Plat — no cap)+$17,500+
✱ Amex Personal Platinum earns 5× MR on flights, capped at $500,000/year. Amex Business Platinum earns 5× MR on flights through Amex Travel with no annual cap. Rates shown use PointsPaid's standard MR buyback of 1.35¢/pt. Actual returns may vary by card and booking.
Why us vs. alternatives
Same concept as a buyers group. Ten times easier.
If you've heard of buying groups like buyinggroup.com, this is the same idea — earning points on large spend — without any of the logistics nightmare.
🛒Place orders on Amazon or Walmart — risk of cancellation at any time
📦Monitor shipping for days or weeks
⚠️Receive goods — inspect for damage, report issues
🏭Ship to their warehouse, await intake confirmation
⏳Wait 30–90 days for payout
💸Deal with lost packages, chargeback disputes, partial credits
✅ PointsPaid flight program
Real bookings · Instant settlement · Zero logistics
📱Receive a booking request from us on WhatsApp
✈️Open Amex Travel — book the flight in under 3 minutes
💵Get paid immediately after booking confirmation
🎯No inventory. No shipping. No damage claims. No waiting.
🔁Repeat as often as your credit limit allows
📊Real flight bookings — completely real transactions
Your numbers
See what your card can earn.
Adjust your annual flight spend target to see your projected income.
Earnings Calculator
Based on 5× earn rate at 1.35¢/pt MR buyback (Amex Personal or Business Platinum)
Points earned (5×)2,500,000 pts
Points sold @ 1.35¢+$33,750
Flight reimbursement (95%)+$475,000
Credit card charge−$500,000
Net annual income$8,750
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Eligible cards
Amex Business Platinum — 5× on flights via Amex Travel, no annual cap Amex Personal Platinum — 5× on flights, up to $500K/year Chase Sapphire Reserve / Biz — high multiplier via Chase Travel HSBC Premier Elite — contact us for rates
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Minimum credit limit
To participate meaningfully, we recommend at least $20,000 in available credit limit. Higher limits mean more bookings, more points, more income.
🔒
Invitation only
We currently work with a small group of cardholders to ensure seamless order flow. New participants are added by referral or direct application.
Who this is for
Built for cardholders with idle credit.
You don't need a business. You don't need expertise in travel. You need a card, a few minutes per month, and a decent credit limit.
💙
Amex Business Platinum
5× on flights through Amex Travel — no annual cap. The highest-ceiling card in our program.
💙
Amex Personal Platinum
5× on flights (direct airline or Amex Travel), up to $500,000 per calendar year. Max return: $8,750/year.
🏦
Chase Sapphire Reserve / Biz
High multiplier on travel via Chase Travel portal. Contact us for specific return rates under this program.
🔴
HSBC Premier Elite
Accepted on a case-by-case basis. Reach out to discuss your card and available credit limit.
📈
$20K+ available credit
More available credit = more bookings per cycle. Participants with $100K+ earn most consistently.
🤝
Good account standing
A clean account history with no recent flags is required. We protect our network by only working with established cardholders.
🔒 Limited availability · By invitation only
Your credit card should be working harder.
If you hold significant available credit on an Amex Platinum, Chase Sapphire Reserve, HSBC Premier Elite, or other high-multiplier card, and want to turn idle credit limit into steady monthly income — we want to hear from you.