Buyback rates compared: who pays the most in 2026

Buyback is an offer from a rip site to buy back a card you just pulled, paid as site balance at a set share of the site’s own value estimate. On headline rates, PackDraw pays 100% of listed value, Courtyard pays 90%, Arena Club pays 90%, Phygitals pays a standard 85% and Rip.fun reportedly pays 85%. LastPack pays 100% of its own fair market value, ClutchPacks reportedly pays about 90%, MNSTR pays 86% to 94% depending on the pack, GotYa pays 90% of its own FMV on graded slabs, PullBox pays in site coins only, and BOXED pays 100% of listed value in gems that can’t be cashed out.

Those numbers are not directly comparable. This guide lines up the buyback terms at every site we review, then explains what each rate really covers, because two sites with the same percentage can pay out very differently.

What does a buyback percentage actually mean?

A buyback rate is the share of a card’s fair market value (FMV) that the site will pay you if you sell the card back instead of keeping it. As a made-up example, if a site values a card at $100 and offers an 80% buyback, you get $80 of credit. Every 5 points of rate is worth $5 on each $100 of value you sell back, or $50 across $1,000 of pulls.

The important word is “value”. Each site sets FMV with its own method, and the rate applies to that number, not to what the card would sell for on an open marketplace. A high rate on a valuation that runs above the market is worth less than it looks.

Three other terms shape what you get:

• The window. How long the offer stays open after the pull.
• Fees. Whether a fee is taken before or after the headline rate.
• Verification. Whether the rate comes from the site’s own terms or from a third party.

How do the buyback rates compare?

The figures below come from our brand records, which we check against each site’s own documents where they exist. Select a site name for our full review.

The table is a starting point. For two sites side by side, see Courtyard vs Arena Club, Courtyard vs Phygitals, Courtyard vs GotYa and BOXED vs PullBox.

Why does the buyback window matter?

A buyback offer that expires forces a decision. If you want to keep the option of cashing out, the window tells you how long you have to think:

• Courtyard makes its offer instantly, but its terms call it a “best-effort offer” that is “limited in duration”. It is an offer, not a promise that holds forever.
• Arena Club does not let you sell back at the moment of the reveal. Its terms make the offer available only after a waiting period, shown in the table.
• Phygitals sets different windows by card type: 30 minutes for standard cards, 3 days for cards from sealed product and 7 days for inventory cards. Miss the window and the offer is gone.
• PackDraw lets you exchange an item for balance straight away.
• Rip.fun reportedly accepts buyback requests within a set window after the pull, according to a single secondary source.
• LastPack keeps the offer open for up to seven days. A card you have not shipped by the end of day seven is sold back automatically at the listed buyback value.
• ClutchPacks makes its offer straight after the pull, and you can keep the card in its vault instead. Its terms say it can withdraw the offer at any time.
• MNSTR lets you sell back at any time, with no time limit.
• PullBox lets you sell back instantly, for coins. Since March 27, 2026, cards left in your inventory turn into coin vouchers after 30 to 60 days, depending on their value.
• GotYa makes its offer straight after the pull. Its FAQ and terms call the offer time-limited, with the period shown on each card, while its free-pack page says there is no deadline. Check the timer on each card.
• BOXED lets you sell back any card at any time, instantly, for gems.

A short window is not automatically bad. It just means you should decide whether you plan to keep or sell before you open the pack.

What are the caveats behind each site’s rate?

Courtyard. The 90% rate on cards is confirmed by several sources, including Decrypt and CoinGecko, and PackSpy reports a higher rate for watches. Decrypt reports that Courtyard sets FMV using Card Ladder data. The “best-effort” wording suggests Courtyard is not bound to make the offer on every card at every moment. Its marketplace, with 0% seller and buyer fees since June 2025, gives you a second way out if the offer looks low.

Arena Club. The headline 90% is built from its terms: 100% of Arena Club’s estimated value, less a 10% fee. Arena Club also sells an optional add-on, called “Collect Safe” or “Slab Safe”, that costs a 10% premium and guarantees you at least 80% of your purchase price back. That floor is based on what you paid, not on the card’s value, so it protects you against a bad pull rather than improving a good one. RipRanks warns that Arena Club’s valuations can run above eBay comparables, which would reduce the real value of the buyback against the open market.

Phygitals. The standard rate is 85% of FMV, and some packs are boosted above it, per Phygitals’ own documentation and FinanceFeeds. The windows are the main catch: the standard-card window is measured in minutes, not days.

PackDraw. See the next section. Its headline number needs the most context.

Rip.fun. The 85% rate comes from one secondary source, a Vietnamese crypto-media article. We could not confirm it on Rip.fun’s official site, and we could not reach its terms of service. Check it on the site before you rely on it.

LastPack. The 100% rate applies to LastPack’s own fair market value, which comes from an in-house system that its terms say “may not match published market values”. The terms also say buyback offers can change or end at any time. Each pack page shows its sell-back rate before you buy, so check the amount offered before you accept. There is no user-to-user marketplace, so selling back is the only way to sell a card on the site.

ClutchPacks. ClutchPacks does not publish a rate. Its terms say it offers a percentage of a fair market value that it sets from recent comparable sales, that the offer can be paid in cash or crypto, promotional credits or a mix, and that it can withdraw the offer at any time. Promotional credits can’t be withdrawn until they are spent. The figure in the table comes from affiliate reviews, so check each offer against recent sales of the same card.

MNSTR. The rate depends on the pack, from 86% on its cheapest pack to 94% on the best playable one when we checked. Its “up to 95%” headline applies only to its top Ultra pack, which was not playable. Every rate applies to MNSTR’s own card values, and its terms say buyback can be paused for maintenance or compliance reasons. In MNSTR’s own payout data, sell-backs paid exactly the pack’s rate.

PullBox. PullBox’s FAQ says you can sell cards back “for their market value in coins”, but it does not say which price source sets that value. One affiliate site reports trade-in values 15% to 25% below market on popular cards, which we could not confirm. Coins can’t be withdrawn as cash or crypto, so selling back only lets you keep opening boxes or buy cards from its exchange.

GotYa. The 90% rate applies to graded slabs, and raw cards, which can’t be shipped, sell back at 100%. Both apply to GotYa’s own fair market value, a good-faith estimate from sales, listings and third-party pricing with no named provider. Sell-backs are paid to your wallet balance. If the offer looks low, you can list the card on its marketplace with no seller fee. Cards left untouched in the vault for 180 days can be converted to wallet credit at the buyback rate after two email notices.

BOXED. BOXED buys back any card at 100% of its listed gem value, but it pays in gems, and gems can’t be withdrawn as cash. BOXED doesn’t say where its card values come from. Cards can’t be sold or traded to other players, so selling back for gems is the only way to sell a card on the site. Most boxes are set to return about 85% of their price in item value, so a full-value sell-back still leaves you with less than you paid on average.

Why doesn’t PackDraw’s full-value exchange mean you get your money back?

PackDraw lets you exchange any item you pull for 100% of its listed value, instantly, according to BetterChecked. On paper that is the highest rate in the table, level with LastPack’s.

The catch is that the rate applies to the item you pulled, not to the price of the pack. What matters is how the value of the items in a pack compares with what the pack costs. Third-party testers have tried to measure that:

• BetterChecked measured a return to player of 87% to 91% on the packs it tested.
• PackSpy’s testers put the house edge at 30% to 40%.

These are third-party measurements, not figures published by PackDraw, and the two do not agree. Both suggest that exchanging items at full listed value still leaves you with less than you paid on average. The same logic applies at every site: buyback rate and pack value are separate questions, and our expected value guide explains how they combine. PackDraw also carries legal and access issues that our PackDraw review covers in full.

How do you cash out buyback credit?

Buyback is usually paid as balance on the site, not straight to your bank. Getting that balance out is a separate step:

If a site pays out only in crypto, factor in the cost and time of moving that crypto to your bank. Do not count buyback credit as cash until you know how you will withdraw it.

How do you check a buyback offer before you accept it?

A quick check can tell you whether an offer is fair or whether another exit pays more:

1. Look up recent sold prices for the same card and grade on an open marketplace.
2. Work out the offer as a share of that price, not of the site’s own estimate. That is your effective rate.
3. Compare the marketplace route. Courtyard and GotYa charge 0% seller fees and Rip.fun charges 2.5%, so listing the card yourself can beat buyback if it sells.
4. Check the time left on the buyback window before you go looking.
5. Check the withdrawal route in the table above, and any fees on it.

To see how a rate changes the value of a whole pack, run the numbers in the EV calculator in our Rip Room.

Is the highest buyback rate the best deal?

Not by itself. When you compare sites, look at the rate together with these questions:

• Whose valuation does the rate apply to, and does it track open-market prices?
• Is the rate confirmed in the site’s own terms or documentation?
• How long is the window, and does it suit how you like to decide?
• Are fees already included, or taken on top?
• If you plan to keep cards, what does shipping cost? Buyback does not matter for cards you never sell.

A slightly lower rate with a clear valuation method and a confirmed policy can be worth more than a higher headline number you cannot verify. Buyback and fees make up a quarter of each site’s score on how we rank, and our best rip sites list shows how the sites compare overall. If you collect a single category, our guide to Pokémon vs sports mystery packs covers resale beyond buyback.

How should you use buyback without chasing losses?

Pack opening involves chance, and buyback makes it easy to roll credit straight into the next pack. That is where budgets tend to slip. Set a spending limit before you start, count buyback credit as money you already spent rather than a win, and stop when you reach your limit.

Before you put buyback credit into a new pack, ask yourself whether you would spend that amount if it were coming straight from your bank account.

If you find yourself opening more packs to make back what you lost, take a break. Call 1-800-GAMBLER for free, confidential help, or see our responsible play page for more resources.