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Old May 23, 2018, 05:44 PM
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Rusty Rusty is offline
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Join Date: Aug 2007
Location: USA
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Native Language: American English
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"To cash in one's chips" has a few meanings in English. One is the actual action of exchanging poker chips for their equivalent in money. Two meanings are metaphorical: to quit or give up, and to die.

"Cambiar/Intercambiar/Canjear las fichas" cannot be used in Spanish to mean either of the two metaphorical usages mentioned above.

From the context provided by the OP, the meaning is 'quit while one is ahead'. In Spanish, that can be said, "retirarse con lo ganado" or "retirarse mientras va ganando." "No presionar la suerte y retirarse a tiempo," is another way to say it.
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