Graded Pokémon Card Selling Fees: What You'll Pay

You’ve just pulled a high-value graded card, and the excitement is real. The next logical step is turning that cardboard into cash, but the thrill of a big sale can quickly fade when you see the final payout. The number that hits your bank account is often a lot smaller than the price the buyer paid. Why? The simple answer is fees. From platform commissions to payment processing charges, a surprising amount of your profit gets eaten up before you ever see it. Understanding the world of graded Pokémon card selling fees is the first step to pricing your cards correctly and ensuring you walk away with what you truly deserve.

Key Takeaways

• Account for All Fees, Not Just the Commission: Your final profit is the sale price minus platform commissions, payment processing charges, and shipping costs. Always calculate these deductions beforehand to price your cards effectively and know what you will actually earn.
• Tailor Your Selling Method to the Card: The right strategy depends on what you are selling. Use auctions to create bidding wars for rare, high-demand cards, and use fixed-price listings for items with stable market values to ensure a predictable return.
• Weigh Higher Profit Against Immediate Payout: Selling on the open market can earn you more money but requires time and effort. For a faster, simpler alternative, the Packz buyback program provides an instant payout without the hassle of creating listings or managing shipping.

A Breakdown of Selling Fees by Platform

When you decide to sell a graded Pokémon card, the platform you choose will directly impact your final profit. Each marketplace has its own fee structure, and those percentages can add up quickly, especially on high-value cards. Understanding these costs upfront helps you price your cards correctly and choose the best place to sell. Let's walk through the fees for some of the most popular platforms so you know exactly what to expect.

eBay (13–14%)

As the largest online marketplace, eBay gives you access to a massive pool of potential buyers. This reach comes at a cost, though. You can generally expect to pay around 13% to 14% of the final sale price in fees. For trading cards, eBay typically charges a final value fee of 13.25% on the total sale amount up to $7,500. While the fees are on the higher end, the sheer volume of collectors using the platform means you have a great chance of finding the right buyer for your graded cards.

TCGPlayer (10–12%)

TCGPlayer is a go-to marketplace built specifically for trading card game enthusiasts. Because it's a specialized platform, your listings will be seen by a dedicated audience that knows the market. The fees are generally between 10% and 12% of your sale. Many sellers find the platform easy to use, especially if you plan on selling cards frequently. The focused community can be a huge advantage when you're trying to sell your Pokémon cards to knowledgeable buyers.

Mercari (10%)

If you value simplicity, Mercari is a great option. The platform is known for its straightforward process and clear fee structure. Mercari charges a flat 10% seller fee on the final sale price, with no hidden costs. Listing is simple, and they often provide pre-paid shipping labels, which takes some of the guesswork out of getting your card to its new owner. It's a user-friendly choice for anyone who wants a no-fuss selling experience.

Whatnot (10%)

Whatnot brings a unique, interactive twist to selling cards through live-streamed auctions. The platform's fees are around 10%, which includes an 8% commission plus a payment processing fee. If you're comfortable on camera and enjoy engaging with buyers in real time, Whatnot can be both fun and profitable. The live auction format can create a sense of urgency and excitement, sometimes leading to higher final sale prices than a static listing might achieve.

StockX (9–12%)

StockX operates like a stock market for physical goods, including graded Pokémon cards. The platform authenticates every item sold, which provides peace of mind for buyers. Seller fees start at 10% and can decrease to 8% as you sell more, rewarding high-volume sellers. This model is great for ensuring you're selling a legitimate product, and the variable fee structure incentivizes you to keep your inventory moving.

Misprint (7%)

For sellers focused on keeping as much profit as possible, Misprint is an attractive option. With a commission fee of just 7%, it's one of the most affordable platforms available for selling graded cards. This is significantly lower than the 10% to 15% that many other sites charge. If your main goal is to minimize costs and maximize your return, the low commission makes Misprint a very compelling choice for listing your collection.

Facebook Marketplace

Facebook Marketplace is best for local sales where you can meet the buyer in person and exchange cash. In this scenario, there are no platform fees, which means you keep 100% of the sale price. However, this approach comes with its own challenges. You're responsible for your own safety, verifying payment, and you have a much smaller audience. If you choose to ship, you'll have to handle all the logistics and payment processing yourself, without the protections offered by a dedicated marketplace.

How Do Platform Fees Compare?

When you decide to sell your graded Pokémon cards, the platform you choose will directly impact your final profit. Every marketplace takes a cut, and these fees can vary quite a bit. Some charge a flat percentage, while others have more complex structures that include payment processing fees. Understanding these costs upfront is the key to pricing your cards correctly and ensuring you walk away with what you expect. Think of it as the cost of doing business; you're paying for access to a platform's audience and tools. Let's break down what you can expect to pay on some of the most popular sites for selling trading cards.

Platform Fee Comparison

Each platform has its own fee structure, which can make direct comparisons a little tricky. Here’s a quick rundown of what you can generally expect to pay. Keep in mind that some platforms also add a separate payment processing fee on top of their commission.

• eBay: This is often the go-to marketplace, but its fees are on the higher end. You can expect to pay around 13% to 14% of the total sale price, including shipping. For high-value cards, eBay's fee structure is about 13.25% on the first $7,500.
• TCGPlayer: A favorite within the trading card community, TCGPlayer's fees typically land between 10% and 12%.
• Mercari: Known for its simplicity, Mercari charges a flat 10% seller fee on the final price.
• StockX: This platform operates like a stock market for goods. Its fees range from 9% to 12%, depending on your seller level and how frequently you sell.
• Misprint: A smaller platform focused on collectibles, Misprint offers a lower commission of 7%, though you'll also have a standard payment processing fee of around 3%.

Best Platform for Low-Value Cards

If you have a stack of graded cards that are more common or have lower grades, you need a platform where the fees won't eat up your entire profit. For these types of cards, a site with lower flat fees like Mercari can be a great option. You might also consider selling them as a "lot" or bundle to make the shipping and effort worthwhile. Some sellers find success on apps like CardTrade, which can be a cheaper alternative to eBay for bulk sales and includes a system where the buyer's money is held until they confirm they've received the card in good condition.

Best Platform for High-Value Cards

When you're selling a high-value card, your priorities shift. You want the largest possible audience of serious buyers and a platform they trust. This is where eBay often shines. Despite its higher fees, its massive user base and auction format can create bidding wars that drive your card's price well above market value. The platform's reputation gives buyers confidence, which is crucial when they're spending hundreds or thousands of dollars. For a rare, high-grade card, paying a 13% fee on a record-breaking sale is often a better outcome than paying a 7% fee on a much lower sale price.

What Hidden Costs Are You Forgetting?

When you’re looking at a platform’s 10% or 13% selling fee, it’s easy to think, “Okay, I can live with that.” But that percentage is only the tip of the iceberg. The final value fee is just one of many costs that chip away at your profit. From the moment you decide to sell until the money actually hits your bank account, you’ll encounter a series of smaller, often-overlooked expenses. These hidden costs can be the difference between a profitable sale and a disappointing one. Thinking about these expenses ahead of time helps you price your cards correctly and decide which selling method is truly worth your time and effort. Let's break down the most common costs that catch sellers by surprise.

Shipping and Packaging

Your responsibility as a seller doesn’t end when someone clicks “buy.” You still have to get that graded card safely into your buyer’s hands. This means spending money on proper packaging materials like bubble mailers, team bags, top loaders, and painter's tape to secure the slab. For any card of value, you’ll also need to pay for tracking and potentially signature confirmation. These shipping services aren't free. While the buyer often pays a shipping fee, many sellers offer "free shipping" to be more competitive, meaning they have to absorb that cost entirely. For a single high-value card, these costs can easily add up to $10 or more before you even factor in insurance.

Card Insurance

Shipping a PSA 10 Charizard in a plain envelope and hoping for the best is not a strategy. For high-value cards, insurance is a must, and it’s a separate cost from basic shipping. Standard shipping insurance often has limits and may not fully cover collectibles. You might need to purchase additional insurance directly from the carrier or use a third-party service designed for valuables. Some sellers even use specialized collectible insurance to protect items during transit. Forgetting to insure a valuable shipment is a huge gamble; the cost of one lost or damaged package could wipe out the profits from dozens of successful sales. This peace of mind comes at a price that you need to build into your profit calculation.

Payment Processing

This one trips up a lot of new sellers. Most platforms have two types of fees: a marketplace fee (like eBay’s 13.25%) and a payment processing fee. The payment processor, whether it's PayPal or the platform’s own system, charges for handling the transaction. This is typically around 3% of the total sale amount plus a small fixed fee, like $0.30. So, if you thought you were only paying a 13.25% fee, you’re actually paying over 16% when all is said and done. It might seem small on a single sale, but this fee applies to every transaction and can add up to hundreds or thousands of dollars over time.

Grading Costs

Before you can even sell a graded card, you have to get it graded. This is a significant upfront investment. The cost to grade a single card can range from $25 for bulk, low-value cards to hundreds of dollars for high-value, expedited services. You also have to pay for shipping and insurance to send your cards to the grading company. While grading can dramatically increase a card’s value, it’s an expense you must recoup in the sale price. If you paid $75 to grade a card, you need to make sure your final profit after all other fees is enough to cover that initial cost and still leave you with a return you’re happy with.

Promoted Listings

On crowded marketplaces like eBay, it can be tough to get your listing noticed. To solve this, platforms offer "promoted listings" where you can pay an extra fee to have your card featured more prominently. This fee is usually an additional percentage of the final sale price. While it can lead to a quicker sale, it also takes another bite out of your profit margin. For example, if the standard fee is 13.25% and you add a 5% promotion fee, you’re now giving up over 18% of your sale before even counting payment processing and shipping. You have to carefully weigh if the increased visibility is worth the significant drop in your take-home earnings.

How to Calculate Your Profit After Fees

Seeing your graded Pokémon card sell for a high price is a huge thrill, but the excitement can fade when you see the final payout. Platform fees, shipping costs, and other charges can take a surprisingly large bite out of your earnings. To avoid any disappointing surprises, it’s essential to understand exactly how much you’ll pay before you list your card. Calculating your potential profit ahead of time helps you set the right price and choose the best platform for your sale. Let’s break down how to figure out what you’ll actually take home.

Calculate Your Profit Step-by-Step

To find your true profit, you need to look beyond the sale price. The basic formula is: Sale Price - Platform Fees - Additional Costs = Your Profit. Platform fees vary wildly, so this is where your choice of marketplace really matters. For example, selling on a platform like eBay could mean paying around 13.25% on the first $7,500 of a sale. For a $10,000 card, that’s over $1,300 in fees right off the top. In contrast, some specialized marketplaces offer much lower rates. This choice can directly add hundreds of dollars back into your pocket, so it pays to compare your options before you commit to a listing.

Common Profit Calculation Mistakes

One of the biggest mistakes sellers make is forgetting about the costs beyond the platform’s commission. These “hidden” fees can add up quickly. You need to account for shipping supplies like bubble mailers and card protectors, the actual postage cost, and especially shipping insurance if you’re selling a valuable card. For a high-value item, these costs alone can run into the hundreds. Another commonly overlooked expense is the payment processing fee. Most platforms charge a separate fee, typically around 3%, for handling the transaction. When you add all these up, the total percentage you pay is always higher than the advertised commission rate.

Auction vs. Fixed Price: Which Earns You More?

Deciding how to list your card is one of the biggest choices you’ll make as a seller. Should you start an auction and hope for a bidding war, or set a fixed price and wait for the right buyer? The answer depends on what you’re selling, how quickly you need the cash, and your personal selling style. Each method has its own set of pros and cons, and understanding them is key to getting the most value out of your collection. An auction might bring in a huge payday for a super rare card, but a fixed-price listing gives you more control over the final sale. It's a classic trade-off between potential upside and guaranteed stability. Before you create your first listing, it's worth thinking about your goals. Are you trying to offload a common card quickly, or are you holding a grail card that could spark a bidding frenzy? Let's break down when to use each strategy to maximize your earnings.

The Thrill of the Auction

If you have a rare, high-demand, or unique card, an auction can be your best friend. The competitive nature of bidding can drive the final price well beyond what you might have listed it for. When two or more collectors decide they absolutely need your card, the sky's the limit. This is why many sellers find that auctions can help them get the highest possible price for their most prized possessions. The downside, however, is the lack of control. The final sale price is unpredictable and depends entirely on who is watching your listing. If you don't catch the right buyers' attention, you risk selling for less than you'd hoped.

The Stability of Fixed-Price Selling

A fixed-price listing, often called "Buy It Now," offers predictability and control. You set the price, so you know exactly how much you stand to make before fees. This approach is perfect for cards with a stable, well-established market value. You can research recent sales, price your card competitively, and wait for a buyer to come along. Some platforms even let you set your own price and wait for a buyer or accept the highest current offer instantly. The trade-off is that it can sometimes take longer to find a buyer, and you might leave money on the table if the card is more popular than you realized. This method requires you to have a good pulse on market trends to price your cards effectively.

Does Card Grade Affect Your Platform Choice?

The short answer is yes, absolutely. The grade on that slab is more than just a number; it’s a roadmap for how you should sell your card. The strategy you use for a PSA 1 Charizard should be completely different from how you handle a pristine PSA 10. It all comes down to your goal and how you value your time. For lower-grade cards, the name of the game is often efficiency and volume. You want to find a home for these cards without spending hours on individual listings that might only net a few dollars in profit. It's about clearing space and getting a fair, quick return.

On the other hand, when you have a high-grade, valuable card, your focus shifts entirely to maximizing your profit. This means you need to become a bit of a detective, investigating platform fees, buyer pools, and even the fine print on payment processing. A few percentage points might not seem like much, but on a card worth thousands, it can mean the difference between a good sale and a great one. Thinking about your card's grade first will help you choose a platform that aligns with your financial goals and saves you from wasting time and money. Let's look at the best approach for each category.

Selling Low-Grade Cards (PSA 1–6)

Let's be honest, cards in this range are more about the love of collecting than a major payday. When it's time to sell them, your main goal is usually to find a buyer without a ton of effort. Using a large online marketplace is effective because it helps you reach the most buyers possible. The trade-off is that you might get less per card, especially if you bundle them into lots to save on listing fees and shipping. This isn't a bad thing; it's a strategic choice. You're prioritizing a quick, simple sale over squeezing every last dollar out of a common card.

Selling High-Grade Cards (PSA 7–10)

When you're holding a high-grade card, every percentage point in fees counts. Selling a card worth thousands of dollars means that a standard 13% platform fee can translate to hundreds of dollars out of your pocket. For example, sellers on popular auction sites report that you can expect to pay around 13-14% of the sale price in total fees for high-value cards. This is where doing your homework pays off. Compare the fee structures of different platforms, especially for sales over a certain amount. A platform with a lower commission rate or a capped fee for expensive items could save you a significant amount of money, putting more of the profit directly back into your wallet.

How Market Trends Affect Your Selling Strategy

The Pokémon card market is more than just a list of cards and prices; it’s a living ecosystem that changes with player interests, pop culture moments, and collector demand. The value of your graded cards isn’t set in stone. It can fluctuate based on factors completely outside of your control. The market has seen radical transformations over the years, often fueled by social media influencers and celebrity collectors, which can cause prices for specific cards to spike overnight. A single viral video can send collectors scrambling for a previously overlooked card, dramatically increasing its value in a matter of days.

As a seller, staying aware of these currents is just as important as knowing your platform fees. Selling a popular card during a lull in the market might get you a fair price, but selling that same card during a peak of excitement could bring a much higher return. Your selling strategy shouldn't just be about where you list your card, but also when and why. Paying attention to market trends helps you move from being a reactive seller, who just lists a card and hopes for the best, to a proactive one who can anticipate shifts in demand and time their sales for maximum profit.

Use Community Pricing to Your Advantage

Official price guides are a great starting point, but they often lag behind the fast-paced changes of the live market. For the most accurate, up-to-the-minute pricing information, you need to turn to the collector community itself. Online forums, Discord servers, and Facebook groups are where real collectors and players discuss cards, show off their collections, and, most importantly, buy and sell. By observing these conversations, you can get a feel for a card's current value and the level of demand.

Beyond just pricing, these communities are where you build your reputation. When you participate honestly and transparently, you create trust. Buyers are often more willing to purchase from a known community member than from a random, anonymous seller. This trust can be a powerful asset, helping your listings stand out and attract serious offers.

Time Your Listings with Market Trends

Timing your sale can have a huge impact on your final profit. The Pokémon TCG market has predictable seasonal peaks and event-driven spikes that you can use to your advantage. For example, sales activity generally picks up during the holiday season, running from October through December, as people are actively shopping for gifts. Listing your cards during this window can expose them to a larger pool of motivated buyers.

Keep an eye on announcements from The Pokémon Company as well. A new video game release, a movie premiere, or a major update to the anime can renew interest in specific Pokémon, causing their card prices to rise. Similarly, sales often see a bump around major fan conventions, when excitement for the hobby is at a high. Listing your cards to coincide with these events can help you capture peak market prices.

Common Mistakes New Pokémon Card Sellers Make

Selling your Pokémon cards can be a great way to cash in on your collection, but it’s easy to make a few missteps when you’re just starting out. From leaving money on the table to dealing with an unhappy buyer, these common mistakes can turn an exciting sale into a frustrating experience. The good news is that they are all avoidable with a little bit of planning. Let’s walk through the most frequent errors new sellers make and how you can sidestep them to make sure every sale is a success.

Underpricing Your Cards

It’s tempting to list your card quickly to make a fast sale, but rushing can cause you to price your cards too low. The Pokémon card market moves quickly, and a card’s value can change from one week to the next. Before you set a price, do your homework. The best way to find a card's current market value is to check recent 'sold' listings for the exact same card and grade on platforms like eBay. This shows you what buyers are actually willing to pay right now, not just what other sellers are asking for. Taking a few extra minutes for this research ensures you get the full value your card deserves.

Forgetting About Fees

The final sale price is not the amount of money that will land in your bank account. Every selling platform takes a cut, and these fees can add up, especially on high-value cards. For example, for a graded Pokémon card worth between $7,000 and $10,000, you can expect to pay around 13% to 14% of the sale price in total fees on a platform like eBay. Forgetting to account for platform fees, payment processing charges, and shipping costs can seriously eat into your profits. Always calculate your net profit after all expenses before you list your card so you aren’t surprised by the final payout.

Creating Weak Listings

Your listing is your one chance to convince a buyer that your card is the one they should purchase. A blurry photo or a vague description can make potential buyers scroll right past your card. To create a strong listing, take clear, well-lit photos from all angles, making sure to capture the front, back, and corners. Be honest and thorough in your description; mention the card’s exact name, number, and grade accurately. A detailed and professional-looking listing builds buyer confidence, helps your card sell faster, and justifies your asking price. Think of it as creating a compelling sales pitch for your card.

Packaging and Shipping Poorly

Your job isn’t over once the card sells. The final, crucial step is getting the card to the buyer safely. A graded card that arrives damaged is a nightmare for both you and the buyer, often resulting in returns and negative feedback. Don’t just stick it in a plain envelope. Use a bubble mailer or a small, sturdy box to protect it during transit. You should also wrap the slab securely in bubble wrap for extra cushioning. Always use tracked and insured shipping to protect yourself in case the package gets lost or damaged, especially for more valuable cards.

Strategies to Maximize Your Profit

Pulling a high-value graded card is an incredible feeling. But turning that prized possession into actual profit requires more than just luck. While you can always use the Packz buyback program for a quick and easy sale, selling on the open market is a different game. To get the best possible price, you need to think like a business owner. This means pricing your cards intelligently, presenting them professionally, and building a reputation that makes buyers feel confident clicking “buy.”

It’s easy to get excited and rush to list your card, but a little strategy goes a long way. Taking the time to research fees, craft a compelling listing, and establish yourself as a trustworthy seller can make a huge difference in your final payout. These aren't complicated steps, but they are the ones that separate casual sellers from those who consistently get top dollar for their collections. Let’s walk through the three key strategies that will help you get the most out of every sale.

Price Your Cards with Fees in Mind

The price a buyer pays is never the amount you actually pocket. Every selling platform takes a cut, and these fees can eat into your profits if you aren’t prepared. For example, on a high-value graded card, you might pay 13% or more of the final sale price in fees on some of the largest marketplaces. Other platforms might charge as little as 7%, which can add up to hundreds of dollars in savings on a big sale. Before you set your price, you need to understand the platform’s fee structure. Do your homework to see what you’ll be charged for the listing, the final sale, and payment processing. Factoring these costs in from the start ensures you price your card to hit your target profit.

Write Listings That Sell

Your listing is your card’s digital storefront, and a great presentation can make all the difference. Start with high-quality photos. Use a plain background and good lighting to take clear pictures of the front and back, plus close-ups of the corners and the graded slab. Buyers want to see exactly what they’re getting, so be transparent. In your description, state the card’s name, number, and grade accurately. If there are any minor scratches on the case, mention them. Building a great product listing inspires confidence and reduces the chance of a buyer feeling misled. To make the process faster, some apps let you scan the PSA or CGC label to automatically fill in the card’s details, saving you time and preventing typos.

Build Buyer Trust

In the world of collectibles, reputation is everything. Buyers are more likely to purchase from a seller they trust, especially when it comes to high-value cards. You can start building credibility by being active and helpful in online communities and on social media. Over time, positive reviews from happy customers will become your most powerful selling tool. Always provide excellent customer service, package your cards securely, and ship them promptly. Trust is a two-way street, so be sure to check a potential buyer’s reviews and transaction history before finalizing a sale. A solid reputation not only helps you make a single sale but also encourages repeat business from fellow collectors.

Is There an Easier Way to Sell Your Cards?

After all the talk about platform fees, shipping costs, and creating the perfect listing, you might be wondering if there’s a more straightforward way to turn your cards into cash. Selling on marketplaces like eBay or TCGPlayer gives you control, but it also comes with a lot of work. You have to take photos, write descriptions, calculate shipping, and then wait for the right buyer to come along. If you’re looking for a faster, simpler process without all the extra steps, there is another option.

How the Packz Buyback Program Works

The Packz Buyback Program is designed for speed and convenience. After you open a digital pack and reveal your cards, you have a choice. Instead of having the physical cards shipped to you, you can sell them back to Packz instantly. You’ll receive 90 percent of the card's current market value, with the funds credited directly to your account balance. This means no listing fees, no shipping hassles, and no waiting for a buyer. It’s a great way to immediately reinvest in your collection and keep the excitement going by opening more packs. It's a streamlined alternative to many of the traditional card selling apps that require you to manage your own listings.

When to Sell vs. When to Use Buyback

Deciding between the buyback option and selling a card yourself comes down to your personal goals. The buyback program is your best friend when you want immediate funds or simply want to avoid the entire process of listing, selling, and shipping. It’s perfect for turning common pulls or cards you don’t want for your personal collection into instant credit. However, if you pull an exceptionally rare card and believe its market value could climb, you might want to have it shipped and sell the Pokémon card for cash on your own terms. Holding onto it could potentially earn you a higher profit, as long as you’re willing to put in the time and effort.

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Frequently Asked Questions

What's the most important cost to remember besides the main selling fee? Many sellers get tripped up by payment processing fees. Most platforms charge a marketplace commission (their main fee) and a separate fee for handling the financial transaction, which is usually around 3 percent. You also need to account for the real cost of shipping, which includes not just postage but also quality packaging like bubble mailers and insurance for valuable cards. These costs add up and will always make the total percentage you pay higher than the advertised rate.

Is it better to use an auction or a fixed price for my card? This really depends on the card you're selling. An auction works best for rare, high-demand cards that could inspire a bidding war between serious collectors, potentially driving the price higher than you expected. For cards with a more stable and predictable market value, a fixed-price (or "Buy It Now") listing gives you control. You set the price you want and wait for the right buyer, which can sometimes take longer but removes the risk of an auction ending too low.

My card has a low grade. Is it even worth the effort to sell it? Yes, but your strategy should be about efficiency. For lower-grade cards, the profit margin on a single sale is small, so the goal is to minimize your time and effort. Instead of creating individual listings, consider grouping similar cards into a "lot" or bundle. This makes the listing and shipping process much more manageable. You might not get the absolute maximum value for each card, but you'll achieve a fair price with far less work.

How do I figure out the right price for my card without under-selling it? The best way to find a card's current value is to research recent sales. Go to a marketplace like eBay and search for your exact card and grade, then filter the results to see only the "Sold Items." This shows you what buyers are actually paying right now, which is much more accurate than looking at what other sellers are asking. Doing this research is the single best way to ensure you're pricing your card competitively but fairly.

With all these fees and steps, why shouldn't I just use the Packz buyback option? Choosing between selling a card yourself and using the Packz buyback program comes down to what you value more: potential profit or immediate convenience. Selling on your own gives you the chance to earn 100 percent of the final sale price (minus fees and shipping), which can be a great option for a high-value card if you're willing to do the work. The buyback program is for when you want a guaranteed, instant sale with zero hassle. It turns your card into account credit immediately, so you can keep the fun going without any of the work.