CardsHQ Rewards: Terms and Conditions

Effective: November 1, 2026

The short version

Membership is free. Members earn 100, 125, or 150 points per US$1 depending on tier, and redeem points for products in the monthly Member Marketplace.
Tiers are based on tier points earned in a calendar year. Status earned in a year holds through the end of the following year.
Purchases from January 1 through October 31, 2026 are credited as launch points. Claim them by completing the enrollment survey by December 31, 2026. Claimed launch points expire October 30, 2027.
Points expire 12 months after they are earned, have no cash value, and cannot be transferred.
Open to residents of the contiguous United States and Canada, excluding Quebec, who are 13 or older. Members under 18 need a parent or guardian's permission.
Every member receives a free Market Movers account.
Joining the Program includes CardsHQ marketing emails. Members can unsubscribe at any time and keep their membership and points.

1. About the Program

CardsHQ Rewards (the "Program") is a customer loyalty program operated by Cards HQ, LLC ("CardsHQ," "we," or "us"). Members earn points on qualifying purchases and may redeem those points for rewards offered through the CardsHQ Member Marketplace.

Participation is free and voluntary. By enrolling, you agree to these Terms and Conditions and to the CardsHQ Privacy Policy. If you do not agree, do not enroll.

2. Eligibility and Enrollment

Membership is open to individuals 13 years of age or older. Members under 18, or under the age of majority where they live, may join and participate only with the permission of a parent or legal guardian, who agrees to these Terms on the member's behalf and is responsible for the member's use of the Program. CardsHQ does not knowingly enroll anyone under 13. If we learn that a member is under 13, we will close the membership and delete the associated information.
Members must reside in, and have a valid mailing address in, the contiguous United States (the 48 contiguous states and the District of Columbia) or Canada, excluding the Province of Quebec. The Program is not offered anywhere else, and CardsHQ may decline or close memberships that do not meet this requirement.
Members enroll online at cardshq.com or at a CardsHQ retail store by providing a valid email address or mobile number. A member completes their account by finishing the enrollment survey, which requires a ZIP or postal code in an eligible area.
By enrolling, you accept these Terms, the CardsHQ Privacy Policy, and the Market Movers account terms described in Section 16.
One membership per person. Accounts may not be shared, combined, merged, or pooled to earn or redeem points.
Points are visible and redeemable once the enrollment survey is complete. Points earned before the survey is completed are held on the account and are not lost, except that Launch Points must be claimed by December 31, 2026, as described in Section 7.
Accounts held by CardsHQ staff, business customers, and tax-exempt customers are governed by separate program terms and are not eligible to earn or redeem points under these Terms.
CardsHQ may decline, suspend, or terminate any membership where the Program is used in a manner inconsistent with these Terms.

3. Earning Points

Members earn points on qualifying purchases made at CardsHQ retail stores and on cardshq.com. The earn rate is set by the member's tier at the time of purchase: Base members earn 100 points per US$1 of eligible spend, Rare members earn 125, and Ultra members earn 150. All purchases are counted in US dollars.

Points are calculated per order on eligible spend: the merchandise subtotal after discounts, excluding taxes, shipping, and fees. Points are rounded down to the nearest whole point.
The portion of an order paid with Program rewards or store credit does not earn points.
Points post to the member's account after the order is completed. In-store purchases earn points only when the membership is identified at checkout.
A purchase that moves a member into a higher tier earns at the member's tier before the purchase. The new earn rate applies starting with the next purchase.

4. Purchases That Do Not Earn Points

Points are not earned on:

Gift card purchases
Taxes, shipping charges, and fees
Purchases made through Whatnot, Fanatics Collect, eBay, Walmart, StockX, social media storefronts (including Facebook, Instagram, and TikTok), or other third-party marketplaces
Cards or collections sold to CardsHQ, trade-ins, and consignment payouts
Guest checkout orders not linked to a member account at the time of purchase, except as provided in Section 13
Purchases on staff, business, or tax-exempt accounts described in Section 2

5. Bonus Points

CardsHQ may award bonus points for activities and promotions, including:

Completing the enrollment survey
Checking in at eligible CardsHQ events, limited to one check-in per member per day
Point Boost events and other limited-time promotions, under the terms stated at the time of the promotion

Bonus point amounts are communicated at the time of each activity or promotion. Bonus points are redeemable like standard points and count toward tier points.

6. Membership Tiers

Tier status is based on tier points earned in a calendar year (January 1 through December 31). Members earn 100 tier points per US$1 of eligible spend at every tier, plus all bonus points earned under Section 5, including survey, event check-in, and Point Boost points. Tier points are tracked separately from the points balance used for redemption.

Every member starts at Base. Members reach Rare at 100,000 tier points and Ultra at 500,000 tier points.

A member moves into a higher tier as soon as their tier points for the calendar year reach the threshold.
Tier status earned in a calendar year holds through December 31 of the following year. Each January 1, the calendar-year tier point count restarts at zero; current status is not affected.
Redeeming points does not reduce tier points or tier status. Returns and cancellations reduce tier points as described in Section 12.
Tier benefits are described on the CardsHQ Rewards page at cardshq.com and may change as provided in Section 17.
CardsHQ may offer additional tiers or benefits by invitation at its sole discretion.

7. Launch Points

Members are credited 100 points per US$1 of eligible spend on qualifying purchases linked to their account from January 1, 2026 through 11:59 PM ET on October 31, 2026 ("Launch Points").

Launch Points count toward 2026 tier points, so each member begins the Program at the tier their 2026 eligible spend qualifies for.
Launch Points become visible and redeemable when the member completes the enrollment survey.
Members must complete the enrollment survey by 11:59 PM ET on December 31, 2026 to claim their Launch Points. Unclaimed Launch Points expire at that time. Claimed Launch Points expire on October 30, 2027, regardless of the original purchase date.
Purchases from this period that were not linked to an account may be claimed under Section 13.

8. Redeeming Points: Member Marketplace

Points are redeemed online through the CardsHQ Member Marketplace at cardshq.com.

The Marketplace refreshes on the 1st of each month. Rewards, point prices, and quantities are set by CardsHQ and are subject to availability.
Each member may place one Marketplace order per calendar month (Eastern Time). An order may include more than one reward, subject to any per-item limits.
Rewards are redeemed with points only. Points cannot be combined with cash or other payment for a single reward.
Certain rewards may be available only to members of specific tiers.
Points are deducted when the order is placed. If a redemption fails or is cancelled, the points and that month's order allowance are restored.
Points have no cash value and cannot be exchanged for cash, transferred, sold, or combined between accounts.

9. Marketplace Shipping and Pickup

Marketplace rewards ship only to addresses in the contiguous United States. Members in Canada may redeem by shipping to a contiguous US address or by picking up at a CardsHQ store where in-store pickup is available.
Marketplace orders that contain only rewards ship free via standard shipping.
Orders that combine rewards with purchased products receive $6 off the order's shipping charge.
Where in-store pickup is available, Marketplace rewards may be picked up at the selected CardsHQ store at the same point price.

10. Points Expiration

Points expire 12 months from the date they are earned. Each point expires on its own date.
Unclaimed Launch Points expire on December 31, 2026, and claimed Launch Points expire on October 30, 2027, as described in Section 7.
Points restored after a failed or cancelled redemption keep their original expiration date.
Expired points cannot be reinstated.

11. Birthday Rewards

Members who provide a date of birth through the enrollment survey receive a birthday reward by email each year. The reward value depends on tier and is stated in the birthday email.
Birthday rewards expire 30 days from issuance, are limited to one per member per calendar year, and cannot be extended, reissued, or exchanged for cash.
Changing a date of birth does not trigger an additional birthday reward in the same calendar year.

12. Returns, Cancellations, and Adjustments

When an order is returned, cancelled, or refunded in whole or in part, the points and tier points earned on that order are removed in proportion to the amount refunded. This may change a member's tier.
Marketplace rewards are final and cannot be returned or exchanged. Points used for a redemption are not restored.
If a removal results in a negative balance, the member cannot redeem until the balance is positive again.
CardsHQ may adjust or remove points credited in error, through a system fault, or in connection with fraud, abuse, or a breach of these Terms.

13. Missing Points and Receipt Claims

Members who believe points are missing from a qualifying purchase must contact CardsHQ within 60 days of the purchase.
Qualifying purchases from January 1 through October 31, 2026 that were not linked to an account may be claimed by presenting a receipt or proof of purchase in store or by email by January 31, 2027.
Every claim is verified against CardsHQ records. A purchase that has already earned points cannot be claimed again. Claims may be subject to limits set by CardsHQ.
Approved claims count toward tier points. Points from claims approved after November 1, 2026 expire 12 months from the date they are credited.
CardsHQ reserves the right to reject any missing points claim at its sole discretion.

14. Communications and Consent

Members receive service messages about their account, points, tier, and rewards as part of the Program.
By enrolling, members agree to receive marketing emails from CardsHQ, including product releases, offers, and Program promotions.
For members in Canada, marketing emails are sent in accordance with Canada's Anti-Spam Legislation. CardsHQ may request express consent from Canadian members, and members who do not provide it receive service messages only once any implied consent expires.
Members may unsubscribe from marketing emails at any time using the link in any email. Unsubscribing does not affect membership, tier, or points, and service messages continue.
Text messages are separate. Members receive marketing text messages only if they opt in separately by providing a mobile number and agreeing to receive texts. Marketing texts are available only to members 18 or older. Consent to texts is not a condition of membership or purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.

15. Data and Privacy

By enrolling, members agree that CardsHQ may collect, store, and use information in connection with the Program, including contact details, date of birth, purchase history, points activity, tier status, and survey responses.
This information is used to operate the Program, deliver rewards and benefits, personalize offers, and improve the customer experience.
CardsHQ does not sell member information. Information is shared only with service providers that support the Program, with Market Movers as described in Section 16, and as required by law.
Members may opt out at any time by closing their membership or requesting deletion of their information at rewards@cardshq.com. Closing a membership forfeits all points and tier status.
Use of personal information is governed by the CardsHQ Privacy Policy, which forms part of these Terms.

16. Market Movers Account

Every member receives a free Market Movers account, created automatically at enrollment using the member's name and email address. Market Movers is a card market data service operated by Sports Card Investor, LLC, an affiliate of CardsHQ.
Use of Market Movers is subject to the Market Movers terms of service and privacy policy. The features included in the free account are set by Market Movers and may change.
Additional Market Movers benefits may be offered to members of certain tiers, as described on the CardsHQ Rewards page.
Members who already hold a paid Market Movers subscription will be contacted about how the benefit applies to their account.
Members may close their Market Movers account at any time without affecting their Rewards membership, tier, or points.
Market Movers benefits have no cash value and end if the member's Rewards membership ends.

17. Changes to the Program

CardsHQ may modify, suspend, or end the Program, change earn rates, tier thresholds, benefits, or rewards, or amend these Terms at any time.
Material changes that reduce the value of earned points or tier status will be communicated at least 30 days in advance by email or notice on cardshq.com.
If the Program ends, members will have at least 30 days from the notice date to redeem available points. Unredeemed points are then forfeited without compensation.
Continued participation after a change takes effect constitutes acceptance of the updated Terms.

18. Account Records, Disputes, and Contact

CardsHQ records are the final record of points earned, redeemed, expired, and available, and of tier status. Questions and claims about the Program should be sent to rewards@cardshq.com.

19. General

The Program is void where prohibited by law.
CardsHQ is not responsible for points, rewards, or communications lost or delayed because of technical failure, incorrect account information, or events outside its control.
Fraud, abuse, misrepresentation, or failure to follow these Terms may result in forfeiture of points and termination of membership.
These Terms are governed by the laws of the State of Georgia.
If any provision is found unenforceable, the remaining provisions stay in effect. Failure to enforce a provision is not a waiver of it.

CardsHQ Rewards is operated by Cards HQ, LLC, 3101 Cobb Parkway SE, Suite 100, Atlanta, GA 30339.