Hotels

The BEST uses of Marriott Vacation Club Points (Updated 2022)

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There are 400k+ Owners Worldwide. Here’s how to use your Marriott Timeshare points to get max value

My family and I have gone through a journey with Marriott Vacation Club. It’s gotten more complex and more complicated, but the new program, which features Marriott Vacation Club Points, has a lot of sweet spots if you know where to look.  Follow along and I’ll show you how you should approach the program, think strategically, and keep yourself out of the weeds.   The aim is for you to extract the maximum value out of your hard earned points. If you have a week already designated, or deeded, we aren’t advocating that you pivot away from that week. You bought at that location for a specific reason. Rather, we’re illustrating that the Marriott Vacation Club Point program offers a plethora of redemption options, many of which are external to timeshare properties. These are the BEST uses of Marriott Vacation Club Points.

Background on the program.

Our first property was purchased long ago at the very first Marriott Timeshare Property, Monarch, located in Hilton Head, South Carolina.  It deeded an exact unit during an exact week. It was very straight forward, you either used the week or you banked it to trade into another property, or your home property during a different time of the year. You could transfer within the RCI program, but managing its use wasn’t too complex. You essentially owned a fraction of a condo and paid maintenance on it annually.

Then the program shifted. No longer could you buy the deed to an exact unit during an exact week, you bought into differentiated seasons with banks of units that priced differently according to view, location, etc. You were assigned a unit upon check-in based upon the class timeshare you owned. For instance, if you bought during Platinum season in an Ocean Front unit you knew broadly what you were getting, but gone were the days of staying in Unit 3-201 every year. One year you may get that favorite unit, the next it may be in a different building with the same classification. This new system was similar to a Co-Op program whereby you just owned a share of the overall property rather than the exact unit.

The new program: Marriott Vacation Club Points

New buyers into the program are given Vacation Club Points. These points are shares in the overall Marriott system and give you access to redemption options based on the valuation Marriott has given to those redemption options. Think of this as an REIT. You own some share of a real estate company, and you can redeem your share for stays based upon what the company values individual properties.

This is a devaluation overall for new owners. You’re no longer guaranteed a full week because you no longer buy a week with a deed. Instead, you buy Vacation Club Points and those Vacation Club Points can be devalued by Marriott Vacation Club at any point…this year a week may cost you 5k points, in 10 years it may cost you 6k points.

The newest incarnation can be pretty confusing. What Marriott has done is grandfather in all the prior owners, but pivot new ownership away from the old program.  For Old owners you can kind of have your cake and eat it too.  If you choose to enroll in the new program you keep your old benefits, but have the opportunity to seek sweet spots to earn return on investment. Lemme explain.

If you have a specifically deeded unit, you keep it, and the deed, and the ability to stay in THAT unit. If you own a seasonal unit and type, you keep that as well. Current owners are encouraged to enroll in the new program by buying some points which then allows them to convert their ownership into Vacation Club Points each year. This gives members not only their old benefits when redeeming at their home property, but full participation in the new program with priority and benefits based on their total portfolio.  Each year, you can choose whether you want to use your week, or convert it into Vacation Club Points. This is where the sweet spots can be found.

How to complement your Marriott Vacation Club Points with the right credit card options

My family has been able to take some truly once in a lifetime trips that incorporate Marriott Vacation Club points, but we have enhanced those trips with credit card points. Marriott Vacation Club Points may take care of the stay portion of your trip, but how about the flights? Since launching this site in 2014, we have been able to utilize credit card points program sweet spots to fly in some of the world’s best first and business class products. I urge you to look at other pages on my website that give further insight into how I’m able to consistently earn 500k+ points every year, but also the techniques and strategies I incorporate to find the best way to fly for the cheapest amount of points. I mention tours as a possible Marriott Vacation Club Point use – my parents were able to tour Ireland this way and flew roundtrip in business class because we had earned the right points.

Learn about our favorite credit cards and how we consistently fly in first and business class 

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Want to stay at a Vacation Club Property? Focus on the Sun-Thursday rates. You can often stay 10 nights for the price of 7.

Marriott Vacation Club prices their awards seasonally, but also bases cost on what part of the week you choose to stay. Let’s take a look at a property I stayed at with my family in Orlando, Florida. It was absolutely gorgeous and was next to both a JW Marriott and a Ritz Carlton. It’s also where the father/son PGA tournament is played in Nov/Dec ( you may remember it since Tiger Woods son was heavily highlighted this past year ).

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Sun-Thurs rates are roughly half the full week rate.

  • Studio Sun- Thurs = 750 points
  • 1 Bedroom Sun-Thurs = 1225
  • 2 Bedroom Sun – Thurs = 1625
  • 3 Bedroom Sun – Thurs = 2125

Depending on your needs, you could check out, rent a unit that fits your need for Friday and Saturday, and check back in for 5 more nights and use nearly the same amount of points as you would have for just 7 nights. Suddenly a 7 night trip becomes 12 nights for the same number of points + the cost of renting a unit for 2 nights.

Leverage the Explorer Collection to stay at Luxurious Marriott Hotels Worldwide

There are a lot of properties around the world that price out of our budget if paying cash. However…using points they suddenly become well within reach.

One of the best uses of Marriott Vacation Club points is their Explorer Collection.  Instead of converting Marriott Vacation Club Points into Marriott Bonvoy points at a rate of 1:40, there are a list of hotels you can access directly with Marriott Vacation Club Points.  It effectively opens up reduced rates at amazing properties worldwide. In order for this to be a good deal, we need to beat the ratio of 1:40. Let’s take a look at some examples.

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New Search by brand function

In early 2021, Marriott Vacation Club added a lot of new properties to their Explorer Collection and folded in a new search by brand function. If you’re looking to stay at some uber lux properties with your Vacation Club Points – this could be a good way to find some tasty treats.

a screenshot of a hotel

Here’s a look at the St Regis and Ritz Carltons around the world that are a part of the program. Notably, the St Regis Bermuda newly opens in May and prices range from $600 to over $1k a night. If you’re wanting an aspirational getaway and have MVCP to burn…could be a good use. Same goes from the Ritz in Turks and Caicos. Very expensive resorts and the point cost is very high as well.

One hotel on the Explorer Collection is the Royal Hawaiian Hotel ( Luxury Collection ) on Waikiki Beach in Hawaii. 

Let’s say you want to go this fall and Stay on the Royal Hawaiian.  You have two ways of doing so…

  1. Convert your Vacation Club Points to Marriott at a ratio of 1:40
    • Depending on your status you can convert 50-75% of your outstanding points.
    • If you have a deeded unit, the deed will tell you how often you can convert your points. We have deeded units that allow yearly transfers, others every other year. )
  2. Use your Vacation Club Points to directly redeem

The Royal Hawaiian was a category 7 hotel so rates fluctuated from 50-70k per night, but starting late March there will be no award chart

In order to use Marriott Vacation Club Points you’ll need to see that the room category that you want is available on the Marriott site with points. It needs to price in at Off Peak or Standard which for category 7 hotels ranges between 50 and 70k per night. These rooms will book into a standard room which if we compare to Marriott Vacation Club Points is 875 points per night.

Applying the 1:40 ratio, we’re better off booking with Marriott Vacation Club Points than we are moving into Marriott Bonvoy. At a 1:40 ratio – 875 Marriott Vacation Club Points are worth 35k Marriott Bonvoy Points.

 

Guided Tours by Collette.

Collette has a partnership with Marriott Vacation Club and my parents enjoyed a great tour of Ireland a couple years back named Treasures of Ireland. It currently runs 13,500 Marriott Vacation Club Points per couple. At a ratio of 1:40 ( Marriott Vacation Points to Marriott Bonvoy ) that equates to 540k Marriott Bonvoy Points.  They have yet to publish prices on this tour for 2021, but in 2020 it was between $3000 -$3500 per person. . Other bloggers place a $0.008 valuation, which I think is low, but even at a penny a point value, this is extracting a lot of value.

Features 5 star hotels…

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Maintaining Status in Marriott Bonvoy

Another great use of Vacation Club Points is leveraging your timeshare ownership into hotel status. Depending on the number of points you own, you’ll get a bevy of benefits within Marriott Vacation Club, but also status with Marriott Bonvoy. Several years ago Marriott merged with SPG and formed a new loyalty program called Bonvoy.

If you keep Marriott Vacation Club Select status or higher you’ll enjoy Marriott Bonvoy Platinum, or even Titanium status which means you’ll enjoy Club Lounge access when staying at Marriott properties. Note…the big caveat to this is Ritz Carlton which is excluded from guaranteed lounge access.

I’ve found that the old SPG properties treat Marriott elites far better than those that were already a part of Marriott before the merger. In fact, on a recent trip through Doha, our Titanium Elite status upgraded us into a 2 Bedroom Empire Suite at the St Regis Doha. What does that mean? If all things are equal…choose a legacy SPG hotel to get better treatment and benefits.

You can find this chart here

a table with different colored textFor some reason the Marriott status isn’t mentioned in the latest chart, but here it is here alongside the benefits each status provides

Compare it to the benefits you got in 2019.

Marriott Vacation Club Owner benefit table
Marriott Vacation Club Owner benefit table 2019

Convert your Vacation Club points into Airline Miles

This is a new addition to the program, added in early 2021, that allows you to convert up to 2500 of your Marriott Vacation Club Points into airline miles. This could be advantageous if you don’t have any use of the Marriott Vacation Club Points, or you’re running low on air miles, and are looking to fly in a premium cabin. This is what most of my blog is dedicated to, and you’re given three choices of airlines: American, United, and Hawaiian.

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Marriott Vacation Club Airline Partners

It’s actually quite simple to convert them, you just need to fill out a form and request the number of Marriott Vacation Club Points you wish to convert. This can be done once a year.

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I would strongly advise finding the award space prior to making this conversion, but also be aware that MVC says it could take up to 6 weeks for the miles to populate. I haven’t used this feature yet, so I can’t speak to my experience quite yet. One fantastic use would be to fly on Hawaiian Airlines fully flat first class from the mainland to the islands. If you can find the availability…it’s just 40k miles – a pretty solid use of 2500 VCP

a group of seats in a plane
Hawaiian Airlines First Class – courtesy of Hawaiian Airlines

Go to the Masters with points

Yes, the most exclusive, hard to get tickets in all of sports can be yours by using your Marriott Vacation Club points. How? Check this out…

I mentioned earlier in the post about investigating the “Explorer Collection.” Well, buried amidst other redemptions is a subcategory “Golf.” I figured it was mainly standard PGA tour events and free rounds at courses associated with Marriott properties.

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The epitome of bucket list Golf: The Masters.

The Masters One Day Program increased from 6700 points to 8500 points in 2021 – It has remained the same for 2022. If you’re a golf lover, going to the Masters, especially Thursday-Sunday, is a true bucket list item. At 8500 points this isn’t as great as it once was ( 5250 in 2019, 6700 in 2020 ), but 8500 will save you well over $2k on the resale market.. In fact, resale sites typically sell tickets on the low end for $2500 a piece, and those don’t include Hospitality tent access.

I was lucky enough to attend the Masters in 2018 with my dad for his 70th birthday. It’s one incredible experience that I thought was going to be once in a lifetime. With this development…we may have to go back!

Note, that when you elect this package, you can go this coming year, next year, or the year after – so if it’s on your list…go for it!

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Villas of Distinction

Another use with the Explorer Collection are renting entire villas. This could be a fantastic way to have a family reunion, get a group of friends together, and feel avoid the hotel and timeshare crowd. I foresee experiences and stays like these to be popular as the world adjusts to the Covid and Post Covid era… Some of these are absolutely ridiculous in price, but others are actually cheaper than staying at some of the resorts I mentioned above. For instance, Mandapa is one of the best hotels in all of Bali, certainly Ubud, but it also requires over 2k Vacation Club Points a night. Compare that to renting out an entire villa which would come with a staff…

Or perhaps you want to see the Big Sky Montana?

a large house with a deck and a large porch

 

However you redeem your hard earn Marriott Vacation Club Points…take the time to make sure that you are extracting the best possible value.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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44 Comments

  • S.A.M March 11, 2023

    I’m thinking about purchasing the Travelex insurance through Marriott vacation club; what are your pros and cons with purchasing travel insurance through mvc

  • Troy Coghill March 2, 2023

    As a Newbie, I am always browsing online for articles that can benefit me. Thank you

  • Koren December 29, 2022

    Thanks for the helpful information! I have seen the explorer collection in the past but not seeing it now. Curious if you have any intel on what happened to it. Thanks

    • Miles December 30, 2022

      They’ve moved it to “Use Points” then “Hotels, Cruises, and More”

  • Jim Phillips November 3, 2022

    Hi Monkey Miles. Your article and explanation is awesome thank you. I found one thing that is not correct and that is that the number of points needed can change at any point. I have owned since the Barony Beach Club and Grand Ocean just opened and I asked to have it pointed out in the contract when we added points that the points can never change and I can assure you it is in there. Holiday dates can change year to year which changes it for that specific date but they can never change the points at a specific resort other than those holidays.

  • Ronald Gailun May 28, 2022

    How do I convert Vacation Club points into Bonvoy points. On Marriott’s website, I have over 3,000 club points, but when I try to convert the, the number is Zero

  • Dan Parpan January 19, 2022

    Hello Miles, We are a MVC owner of both points and week (grandfathered in)
    Do you, can you, will you advise on how to take better advantage of our membership for a fee $$$.

    I would be interested in speaking with you via email or phone to ask a bunch of questions re; out usage.
    IE; using points to take a cruise or trading using II or selling all together and re-buying on the secondary market. Questions like that.

    Thanks

    Dan

  • James Webber August 10, 2021

    Hello

  • Attila June 10, 2021

    Hi Miles, we own Diamond Resorts points based package and we’ve been staying at Marriott locations quite often through Interval International. To be honest with you we really like Marriott’s properties and at one point I would consider trading my Diamond points into MVC points if there is an option for that. Any knowledge on your end if such thing can be realized? Thank you

    Your post contains a lot of helpful information.

  • Vimala June 1, 2021

    Hi Miles, I bought my Marriott Vacation club points in 2008. I wish to sell them now. Do you have any advice on how to go about it? Thanks in advance

  • Denise Lentine April 23, 2021

    Hi Miles,

    What is your opinion of the Villas of Distinction travel protection plan. We are Chairman level and are looking at St. John for December….25,000 points for a week in a beautiful home – but they are pushing the travel protection plan which would be over $4000! I realize this is a third party situation but that seems very high. Is this something you recommend when using the Destination program? Thank you

  • M. L. March 25, 2021

    Hello,
    Thank you for this post! This is very helpful. I’m interested in “Go to Bali and Stay at the exclusive Ritz Reserve Property: Mandapa” but I’m not seeing it as an option on my list of Hotels And Luxury Residences. Is the property no longer participating in the program?? Thanks!

  • Ed September 28, 2020

    Thanks for your post. The fact that I’m commenting over a year later speaks well to its longevity. I agree that using MVC points for vacation club resorts is the best use of the points. However it is necessary to point out the cost of those points, as that can become forgotten. I currently have 4000 annual points which I pay about $2500 in annual maintenance fees. Therefore it only makes sense to place a value on those MVC points, which equals ~62.5 cents per point. You mentioned various activities such as a Collette vacation for 11,000 points, comparing the cost of $2550-3500 per person. Just remember, those 11,000 points cost ~ $6875 to have. For me, the bargain is if the points will get you at least the same value as the cash value.

    • Option Period October 5, 2020

      Ed’s comment right here is where it has been at for us with regard to use of our points. Figure out you per point value based on your maintenance fees and if you can’t buy the accommodation, flight, event, for less by paying cash then use of the points is justified IMHO. For those who will say what about the original cost of the points … too much brain damage for me. Also, if you happen to have points that you couldn’t use and that are going to expire, then the calculations don’t even come into play; better to use the points for whatever value you can than simply lose them.

  • SEM July 9, 2020

    Where have you been my entire MVC Ownership life…!!! I could ask 175 questions, but I’ll start with this…If –2– of us own 3 properties and we are “Executive” level, how can we ask MVC to designate 1 of us as the Bonvoy Platinum Elite over the other…My co-owner is Titanium Elite on his own because of travel, so I would like to have the Platinum Status applied to my Bonvoy account if possible…Any insight…???

  • Joey Shubert February 25, 2020

    Turning my 4200 VCP into 134,000 rewards points makes absolutely no sense so I can spend 2 nights at a Ritz Carlton property in Hawaii and have 700 or 800 VCP remaining. Your blog is supposed to show people how to best use their VCP. The bottom line? The best way to use your VCP and get the most value from them is to use them to stay at Marriott Vacation Club properties, off season and Sunday thru Thursday as you stated. The other Marriott conversion offers are a rip off.

    • Miles February 25, 2020

      Joey – no doubt the sunday to thurs equates to the lowest redemption value within the Marriot Vacation Club program, and why I listed it first. But I would guess most MVC owners are loyalists themselves of Marriott so they already have Marriott Bonvoy points + they’re getting status within Marriott as a result of ownership in many cases . My family doesn’t use all of our Vacation Club Points every year, so a cache of VCP can add up, and when looking at properties around the world it can make A LOT of sense to convert and use within the Marriott brand at locations without a VCP property or no availability, and shore up a balance to make a redemption happen. The BEST redemption argument is a case by case situation as it is with all award currency. The post merely highlights what I can consider to be the best uses and what many have iterated they were unaware they could do with their points. With the Hawaii Ritz in particular…I just checked 1 bedroom suites during Christmas and they are $3k a night meaning your VCP would be worth over $6k in value for 2 nights and you’d still have 800 points leftover for another stay. Is that a higher retail value than you’d get elsewhere with your points? Up to you to decide that…just showing options to help people make the best decision themselves.

  • Alexis February 17, 2020

    Hi there! I have to tell you, your website talked me off the proverbial “they sold us a load of crap” ledge! You’ve made the MVCI program SO. MUCH. EASIER. to understand. Seriously, thank you. I’m looking forward to getting the most out of our points thanks to your site! What a relief! Thank you again and maybe we’ll see you around the MVCI properties.

    • Miles February 17, 2020

      Alexis – thank you so much! That’s our goal and so happy we were able to help a little bit! Appreciate the support and your readership 🙂

  • […] Vacation Club Ownership and how to extract luxurious redemptions from the program which you can read here. It’s evolved quite a bit over time, and if you’re an owner, and not taking advantage […]

  • GARY RUBERG July 19, 2019

    Any idea of the ratio of Marriott weeks owners to points owners?
    Is Marriott allowed to buy back all points with ROFR, and resell as new?
    Is Marriott’s intention to convert all weeks to points and deplete all weeks inventory in Interval International?
    (Their own program now)
    Thank you.

  • Ed July 7, 2019

    I didn’t follow your math on converting VP points to Bonvoy. You state the ratio is 1.32 so if I had 1000 VC points, wouldn’t that equal 1320 Bonvoy points. How’d you get to the 1875 total? Then you mentioned 1375 VC points was the equivalent of 44k Bonvoy points. Again don’t follow the math??

    • Miles July 7, 2019

      Hey Ed – I must have made a typo, should be 1:32 so 1000 = 32000

      • Ed July 8, 2019

        Actually no you typed it correctly, I just read it wrong. Sorry about that.

  • Kate Turley March 10, 2019

    Is it possible to trade Marriott Vacation Club Points for Marriott Reward points so that you can redeem the Marriott Reward points for Delta Skymiles?

    • Miles March 10, 2019

      Kate – yep, you need to check out your specific contract/staus to see what percentage you are permitted to transfer, and how often, but the short answer is yep, can be done

  • Patrick October 23, 2018

    Several of the options above seem to be predicated on the idea that a 1:32 ratio of Marriott Vacation Club Destination Points (“DC”) to Marriott Rewards points is a fair exchange in the first place. But when you factor in the average value that most people place on Marriott Rewards points (around $0.009-$0.012) vs. the usage value of DC points being in the range of $0.55-$2.00–that 1:32 ratio is a complete rip off to begin with. We’ve only been MVCI owners for a couple years, but so far the “retail” value of all of the trips we’ve booked as resulted in DC points having a value of around $1.35. Based on this, the only tip in this article that I agree with is the first one–that booking Sunday-Friday trips is a good value-based use of DC points. Author, do you have any counter points to this?

    • Miles October 23, 2018

      Hey Patrick – They’re not really predicated on it being a good exchange, they’re just predicated on that’s what the program allows. I’d love it to be a bigger ratio, but the examples are simply stating that you may find a much better value utilizing your Club Points for a stay at a hotel in the explorer collection vs electing to transfer/exchange into MR for a stay at the same or a similar property in the same location. Many people don’t even realize you can accomplish this and transfer to MR. I’m simply saying Double check VCP rates vs MR rates – it’s not always better, but often can be. Like the Gran Hotel Dei Dogi in Venice…ranges from 750 – 1375 VCP a night vs 50k MR, unless you’re going to pay 1375 and stay 5 nights, in which case it makes more sense to transfer to MR and enjoy the 5th night free.

      • Patrick October 24, 2018

        I guress my point is that by far the best value of DC point usage, it just to use them as they’re intended (on trust properties within MVCI portfolio). I think your article may mislead some people into thinking that they can get better value for their DC points by booking Explorer Club packages, converting to MR points, etc–when in all of the examples above, the retail value of points would be maximized by just booking practically any property within the MVCI portfolio instead. In short, most of the “alternative” uses of DC points are a bad value most of the time–and the fact that an expert (which you clearly are) can’t illustrate many examples of extracting more more than $1/DC point sort of proves that hypothesis–no?

        I do sincerely appreciate you taking the time to write this article. It’s interesting and thought provoking, and ultimately helped me understand some of these other options better–even though my ultimate conclusion is not to seriously consider them most of the time.

        Thank you!

  • […] great fortune of staying at one in Bali last year, and even wrote an article about how you can use points to stay at one ( even though Reserve properties are advertised as being excluded from Marriott Rewards both in […]

  • Rene Ramirez August 31, 2018

    Is there a way to use current points to pay maintenance fees? The Hilton (i think) allows members to use points to pay off time share maintenance fees.

  • […] of the most valuable uses of MVC have been on Explorer Collection properties, in fact, this is the only way you can stay at a Ritz […]

  • Katie August 16, 2018

    I’m not seeing the Mayflower in the Explorer Collection – am I looking in the wrong place, or do the hotels in that collection change?

    • Miles August 16, 2018

      Katie – Looks like all but 11 hotels have been pulled during the transition, fingers crossed the list expands after the SPG integration

  • […] If you’re unfamiliar with the Explorer Collection, it’s a group of hotels that are eligible for redemption using Marriott Vacation Club Points. If you’d like to learn more, I wrote an entire article detailing what I thought were some of the best strategies towards using Marriott Vacation Club points with the Explorer Collection being one o…. […]

  • Ryan June 28, 2018

    I’m looking into the Marriott vacation club. The question I have is would I be able to enjoy the same benefits you describe here if I were to buy a resale deeded timeshare? And then buy additional vacation club points via resale as well? Does the grandfathered status pass on to new owners of resold deeded timeshares?

    • Miles June 28, 2018

      Ryan – Great question. I think it would depend on who you purchased the resale through…private person vs Marriott. Generally speaking, Marriott restricts benefits when purchased through 3rd parties. However, one of our properties didn’t earn points annually, but when we bought/converted to VCP they upgraded it to annual. There is leeway in what they can offer, but how much leeway is uncertain when it comes to your situation.

  • Paul March 23, 2018

    The caveat to the Ritz Carlton + its Reserve properties is that the member has to be Executive, Presidential, or Chairman in order to use the vacation club points correct? For Owners and Select, I believe we’re just limited to Marriott Resorts & Explorer Collection? :/

    • Miles March 23, 2018

      Paul – good question and unless I’m missing something, according to the chart I posted…it says Vacation Club Points are redeemable at Ritz for every ownership level. Where are you seeing the restriction?

      • bib July 21, 2019

        The restriction is at lower levels you are limited in 4,000 (eg) points per year which are only able to rollover for one year. At these levels on a 2 year full points you can not book a full week at the nice resorts without being on the higher tiers which give you 7-12k points a year.

        When we went to the sales pitch that’s a massive cost over buying directly.

  • Christian March 23, 2018

    How do you get the points without enrolling in a multi year deal?

    • Miles March 23, 2018

      Christian – you need to buy into the ownership program, so thhe article is really towards helping current owners redeem or illustrate sweet spots for those considering buying in

  • Jack March 23, 2018

    But what is the maintenance fees to get those points? That had to be factored in as well, which it is not in the post. Getting a high value per point is meaningless if it costs you more in maintenance fees.

    • Miles March 23, 2018

      Jack – the post isn’t a solicitation to buy into the program its to illustrate ways of utitlizing the benefits to extract more value. The maintenance fees owners pay is a factor as to whether you want to join, but it’s a sunk cost when time comes to redeem.

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