What to Do With Unused Timeshare Points
You have five options for unused timeshare points, and the worst is the one most owners default to — letting them expire. In rough order of value: (1) bank them forward into next year if you’re still inside your program’s banking deadline; (2) book a trip you’d actually take; (3) self-rent a reservation on Airbnb/Vrbo for the most cash but the most work; (4) sell the points to a buyer service like Timeshare Rental Pros (our affiliate partner) for cash up front, no owner fee, usually within 24 hours; or (5) convert to hotel loyalty points — almost always a bad rate, last resort only. The one thing not to do is nothing: forfeited points are dues you paid for and got zero back on.
Your five options, ranked
- Bank them forward. If you're still inside your program's banking deadline, rolling the points into next year is free or cheap and keeps 100% of their value. This is the first thing to check.
- Book a trip. Obvious, but worth saying — if there's any chance of a getaway, using the points yourself is the highest-value outcome.
- Self-rent a reservation. Book a desirable week and list it on Airbnb, Vrbo, RedWeek, or Koala. Most cash per point, but you handle pricing and guests and carry the risk if it doesn't book.
- Sell the points to a buyer service. Cash up front, no work, no risk — the service books and rents the points itself. A bit less than self-rent upside, but guaranteed.
- Convert to hotel loyalty points. Last resort only. The rates are bad (Marriott VC to Bonvoy ~20:1; HGVC to Hilton Honors historically ~1:25), so this is for salvaging points that would otherwise expire.
And the non-option: letting them expire. You already paid maintenance fees for those points — forfeiting them is throwing that money away.
Know your banking deadline first
Before anything else, check whether you can still bank. The windows differ by program: Disney Vacation Club cuts off banking around the 8-month mark of your Use Year; Club Wyndham uses a Credit Pool (one year, ~$79); Marriott, Bluegreen, WorldMark, and Vistana each allow banking with their own cutoffs and fees. Diamond and Westgate are the least flexible, which is exactly why their owners forfeit points most often. Full details are in our guide to whether points expire.
If you can't bank and can't travel
Then it's a choice between self-renting for the most upside and selling to a buyer service for the least hassle. What a year of points is worth swings hugely by program — from $13–$19 per point for DVC down to roughly 0.4¢–1¢ for Westgate — so check the calculator for your ballpark. For the no-work path, our affiliate partner Timeshare Rental Pros pays cash up front, usually within 24 hours, and never charges the owner a fee (we earn a commission if you transact, which we disclose). The step-by-step on both paths is in how to rent out your points.
Your next step
Get your real cash offer
See what Timeshare Rental Pros will actually pay for your points. Pick your program and point count and get a price quote — they pay cash up front, before any rental happens, and never charge owners a fee.
Get my price quoteCash up front · Offer within 24 hours · They never charge you a fee
Frequently asked questions
What happens if I just let my timeshare points expire?
You forfeit them and get nothing — even though you already paid maintenance fees for them. It’s the single most expensive thing an owner can do with points, and it’s also the most common. Diamond and Westgate owners in particular forfeit points routinely because banking is cumbersome. If expiration is near and you have no trip planned, rent or sell the points before the deadline.
Can I bank or roll over unused points?
Usually, yes — most programs let you bank points one year forward, often for a fee, if you act before a deadline. Disney Vacation Club’s banking window closes around the 8-month mark of your Use Year; Club Wyndham uses a Credit Pool; Marriott, Bluegreen, WorldMark, and Vistana all allow banking with their own rules and cutoffs. Miss the window and the points lock into the current year and expire if unbooked.
Should I convert points to hotel loyalty points?
Almost never as a primary strategy. Marriott Vacation Club converts to Bonvoy at roughly 20:1, and HGVC has historically converted to Hilton Honors around 1:25 — poor rates that destroy most of the value. Treat conversion as a last-resort way to salvage points that would otherwise expire, not a real monetization plan.
What’s the easiest way to get cash for points I can’t use?
Sell them to a buyer service. You give them your program and point count, they make a cash offer — typically within 24 hours — and pay it up front. No listing, no guests, no waiting on a booking. A reputable service like Timeshare Rental Pros never charges the owner a fee; if a company asks you for money up front, that’s a scam signal.