As the popularity of gift cards increase, some resourceful people are creating ways to give gift card holders more options. Now, there are Web sites where people can sell or exchange their unwanted gift cards.

M.J. Kelly, CEO of SwapAGift.com, says, "You can list your gift card for sale on the Web site. You can also swap your gift card for a gift card you'd rather have, or you can sell your gift card directly to us."

SwapAGift.com was one of the first Web sites to give gift card holders options and now has 15,000 users.

After posting the card you have and what cards you'd desire, if someone wants your card, an e-mail is sent to you with what the other person is willing to swap. If you accept, your information is exchanged, you mail your gift card and look for their card in your mail.

Other Web sites offer similar services. Some charge a percentage of the value of the card, not a flat fee. Some even auction off your card to the highest bidder.

eBay has more than 5,000 gift cards for sale, including some to local stores that might not do as well on national Web sites.