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If it’s looking like your won’t be able to use your Marriott Vacation Club points within their intended use year, Marriott Vacation Club offers its owners the option to extend the life of your points through a process called banking. Depending on your underlying Marriott Vacation Club status, this will give you an extra 12-24 months to use your points before they expire for good. The only catch is that once you bank you will not be able to use your points until the next calendar year starts, and you need to do this within 6 to 4 months of your use year expiring ( again dependent on status). Let’s take a look at how to bank you Marriott Vacation Club points
The process of banking is quite simple to do, and we have banked points several years in a row, but this year we actually ran into a situation where we were going to be unable to use our banked points prior to their final expiration. If you’re in a similar situation, give Marriott a call, as we were able to secure an additional 18 months with some restrictions. Long story short…we had points from 2018 that we had banked, and they were set to expire in July of 2020, but now, we have access to them until the end of 2021.
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
First…check your Vacation Club Points Balance
You’ll see a calendar with varying dates corresponding to use years and banked years ( if you’ve banked in the past )
Pop open one of those menus
You’ll see your properties listed as well as any trust points you purchased and their corresponding expiration dates.
Here are the rules for banking points
There are currently 5 tiers of Marriott Vacation Club Ownership, and you need to realize that once you indicate you are banking, you will not be able to use those points until January 1st of the following year.
When you need to notify:
- 6 Months prior to the end of the use year
- The first 2 tiers of ownership, Owner and Select, must indicate to Marriott Vacation Club their intention to bank 6 months prior to the end of the year. That would be June 30th.
- 4 Months prior to the end of the use year
- The 3 top tiers, Executive/Presidential/Chairman’s Club must notify Marriott Vacation Club before August 30th
How long you will extend your points
- 12 months
- Owner, Select, Executive
- 18 months
- Presidential
- 24 months
- Chairman’s Club
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
Chase Marriott Bonvoy Boundless® Credit Card
Earn 15 elite nights every year you keep the card, Marriott Silver Status + an annual 35k point anniversary night.
Make sure you read the Marriott application rules as they can be tricky
Welcome Offer
Earn 125,000 Bonus Points after spending $3,000 on eligible purchases + 1 Free Night Award within 3 months of account opening
Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees.
Annual Fee
$95
Points Earned
Marriott Bonvoy
- Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That’s up to $50 in statement credits semi-annually.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don’t expire as long as you make purchases on your card every 24 months.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
As I mention in many of my breakdowns for hotel cards…the annual anniversary night usually outweighs the annual fee.
For $95 a year, you’ll earn an anniversary night good at properties up to 35k a year. You can add 25k to these certificates as well, but keep in mind, this point range will probably be useful on road trips or nights near a hotel…not uber luxury properties.
You’ll also start get 15 elite nights per year which is fantastic if you’re chasing Marriott status.
You can bank online…
In much the same way as you found your balance…you can drop that menu down and select bank vacation club points.
You’ll then see a list of your properties and you can elect how many of the points you actually want to bank. Click bank points and a confirmation email will be sent to you.
You can use this VIP number to call in to bank 855-MVC-4VIP (855-682-4847)
Once you have done this, you’ll see that your points will change name in the account
How we extended our Banked points for an additional 18 months
We had a considerable amount of Banked points due to expire this July, and due to Covid, we were unable to use them. After phoning our Presidential line we were put on a brief hold and given the following option…extend the points for an additional 18 months with the following caveats
- They had to be used exclusively for Marriott Vacation Club properties
- They had to be booked within 120 days of arrival
You can see how they are now shown in our account.
Recap
If it’s looking as though you won’t have use for your Marriott Vacation Club points during their intended use year, banking can be a great way to extend the life of your points so they don’t go to waste. After you’ve banked, and have the option to prioritize your banked points so you make sure and use them up before using your next year’s points, or even combining them all together to enjoy a longer holiday.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card went through a major refresh in 2026 adding new bonus categories, travel protections, statement credits, and remains one of the best travel starter cards in the market. It earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott. Note that Hyatt is now a 4:3 transfer partner
Welcome Offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Earn
- 5x on all travel purchased through Chase Travel℠
- NEW ACCELERATED EARN CATEGORY: 3x points on gas and EV charging
- NEW ACCELERATED EARN CATEGORY: 3x points on vacation homes at top brands
- Cardmembers will earn 3x points on vacation homes at these top brands: Airbnb, Vrbo, Plu Guide, HomeAway, Homestay.com and Vacasa.
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 2x on all other travel
- 1x on everyday purchases
- 5x points on Lyft rides Earn 5x total points on eligible Lyft rides including ride share, bike and scooter rides and subscription and membership products through September 30, 2027.
- 5x total points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Benefits and Credits
- $100 Annual Chase Travel Hotel Credit via Chase Travel℠
- NEW: $120 Global Entry, TSA PreCheck or NEXUS fee credit Cardmembers will receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to the card.
- NEW: Complimentary Apple TV subscription for one year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® Card is great starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Chase Ink Business Cash® , Chase Ink Business Unlimited® you can combine the points into the Sapphire Preferred account and transfer into hotel and airline partners
Annual fee remains quite low at $95 a year and if you use the $100 Annual Chase Travel Hotel Credit via Chase Travel℠ you’ll wipe out that annual fee every year. It has great bonus categories and other useful statement credits to enhance your travel.
One thing that is a bummer is Chase lowered the transfer ratio to World of Hyatt from 1:1 to 4:3.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.