Last updated: July 7, 2026
PointsPaid is an independent, third-party service. We are not affiliated with, endorsed by, sponsored by, or in any way officially connected with American Express, JPMorgan Chase, HSBC, United Airlines, Delta Air Lines, American Airlines, or any other financial institution, card issuer, or airline referenced on this site. All product and company names are trademarks of their respective owners.
Per-point buyback rates shown on our site (e.g. 1.35¢, 1.50¢) reflect current market conditions and are updated periodically. They are indicative estimates, not a binding quote. The final rate for any transaction is confirmed with you individually before a booking is completed, and may vary based on booking availability, program changes, or card eligibility.
Figures shown in our "Earn With Your Card" calculator and example math (e.g. net return per dollar spent, annual income projections) are illustrative estimates based on stated assumptions — such as a 5× points earn rate and a 1.35¢ MR buyback rate. These are not a guarantee of income. Actual results depend on your specific card terms, spending category eligibility, point redemption values at the time of booking, and our ability to match your spend to an available booking.
Our model is built so that you complete every booking yourself, through your own official Amex Travel, Chase Travel, or equivalent portal, using your own points balance. Nothing about this activity involves transferring points to a third party. That said, you remain solely responsible for understanding and complying with your own card issuer's terms of service, including any rules around card usage, points earning, and redemption. PointsPaid does not provide legal or financial advice, and nothing on this site should be interpreted as such.
Matching your points balance to an available flight booking typically takes 1–3 days, but this is an estimate based on typical demand, not a guarantee. Timelines can vary based on booking availability and market conditions.
If you'd like a breakdown of how a specific rate or projected figure was calculated for your situation, message us on WhatsApp and we'll walk you through it before you commit to anything.