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Also, there is almost always an easy badge that you get when you earn the card so really you are getting 5 points for getting the card.
I think there isn’t going to be any way to exchange points… because if you think about it, it would make levels pretty redundant. Think about it… if you give away points, but you still have your level, it’s confusing… it would be hard to keep track of how many points you need until level up again… If you give your points away and your level decreases, what’s the point in having levels at all, if just a way to estimate how many points you have? I just don’t see any logic in being able to exchange points.