Do Timeshare Points Expire?
Yes — for almost every program, timeshare points expire at the end of your annual "use year" if you don’t use, bank, or borrow them. Banking lets you carry unused points forward (usually one year, often for a fee), and borrowing lets you pull next year’s points into a current booking. Miss the banking deadline and the points simply lapse — and you’ve already paid maintenance fees on them. If you can’t travel and can’t bank in time, renting the points out or selling them to a buyer service recovers cash that would otherwise be lost.
How the use year works
Almost every points-based program runs on an annual cycle called a use year. Your points drop in at the start of it and have to be used, banked, or borrowed by the end of it. Whatever you don't deploy is forfeited — no rollover, no refund. Since you've already paid maintenance fees for that allocation, an expired year is a pure loss.
Two tools push the deadline around. Banking carries unused points into the next use year — usually one year forward, often for a fee, and always with a deadline you have to beat (Disney Vacation Club's, for instance, lands around the 8-month mark of the use year). Borrowing goes the other way: you pull next year's points into a booking now. Both buy flexibility, but neither saves points you forget about.
Some programs are stricter than others
Rules vary by program, and a few are notably unforgiving. Diamond Resorts and Westgate are historically the least flexible on banking, and a lot of owner complaints trace back to points that expired before a usable booking could be found. Most other programs let you bank one year forward, but the fees and deadlines differ — so check your own program's rules on its answer page.
If banking isn't an option and you can't travel, the points don't have to evaporate. You can get cash for unused points — either by self-renting a week or by selling the points to a buyer service that pays cash up front. Recovering something beats forfeiting everything.
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Frequently asked questions
Do all timeshare points expire?
Effectively yes. Across the major programs — Wyndham, Marriott, Hilton/HGV, Diamond, Bluegreen, Westgate, WorldMark, Vistana, Disney Vacation Club, and Capital Vacations — points expire at the end of the use year unless you use, bank, or borrow them. The deeded ownership doesn’t expire on that schedule (apart from contract-level end dates like DVC’s), but each year’s point allocation does.
How do I keep my timeshare points from expiring?
Three tools: use them (book a stay), bank them (carry them forward, usually one year and often for a fee — but you must initiate banking before the deadline), or borrow next year’s points into a current booking. If none of those work in time, rent the points out or sell them to a buyer service so you recover cash instead of forfeiting them.
What happens to expired timeshare points?
They’re gone — forfeited back to the program with no refund — even though you already paid maintenance fees on them. That’s the costly part: an expired allocation is money you spent for nothing. Banking before the deadline, or monetizing the points, is the only way to avoid that loss.
Which programs are strictest about point expiration?
Diamond Resorts and Westgate are historically the least flexible on banking and the most prone to silent forfeiture — many complaints against Diamond come from owners who paid fees on points that expired before they found a usable booking. Most programs allow banking one year forward, but the deadlines and fees vary, so check your specific program’s rules.