Can You Sell Credit Card Points?
This guide explains who actually owns your points, why selling them breaks the rules, and what you are genuinely allowed to do instead.
Points are not your property
Loyalty program terms are explicit that points and miles belong to the program, and you hold only a revocable right to redeem them under the rules. That framing is why you cannot treat them like an asset to sell; they were never legally yours to transfer for cash.
Why selling is against the rules
Programs ban selling and brokering points, and they actively police it. Getting caught can mean your account is shut down and your balance confiscated, and the buyer risks a ticket being canceled at the airport. It is a bad deal for everyone involved and rarely worth the risk.
What you are allowed to do
You can buy points directly from a program, which is sometimes worthwhile for a specific redemption, covered in how to buy points and miles. You can also transfer or pool points with household members where the program allows it. But the honest way to get value is to redeem well, not to resell.
- Points and miles are the property of the program, not the member.
- Selling or brokering points violates program terms.
- Getting caught can mean account closure and confiscated points.
- Buying points from the program itself is allowed.
- The real value is in redeeming, not reselling.
Frequently asked questions
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