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Understanding Points-Based Timeshare Ownership

A points-based timeshare gives you an annual allocation of points to book stays across a network, offering flexibility in when, where, and how long you travel.

Overview

Instead of a set week, you use points like a currency to reserve accommodations of varying size, season, and location within the program's network.

Points programs can be deeded or membership-based, which matters greatly for exiting. The rules are often complex, points may expire, and interests frequently have limited resale value.

Potential advantages

Depending on your situation, this route may offer:

  • Flexibility in destination, timing, and stay length
  • Access to a broader network than a single resort
  • Deeded points may qualify for deed-back programs

Limitations to weigh

It is not right for everyone. Keep these limitations in mind:

  • Complex rules and tiers that can change
  • Points may expire if unused within a period

Risks and cautions

Understand the risks before you act:

  • Pressure to buy more points to reach a tier or "exit"
  • Limited resale value for points interests

Possible alternatives

If this path is not a fit, you might also explore:

  • Deed-back for deeded points where a program exists
  • Resignation for membership-based points programs

Documents to locate

Gathering these in advance helps clarify your options:

  • Your points purchase or membership agreement
  • The current points chart and program rules
  • Recent dues and fee statements

Process and next steps

A typical path forward looks like this:

  • Determine whether your points are deeded or membership-based
  • Review the program's exit or resignation provisions
  • Confirm your dues standing
  • Pursue the route that applies to your program

Sources & citations

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Written by

Exit My Share Editorial Team

Consumer Education Team

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Reviewed by

Compliance Reviewer

Consumer-Protection & Compliance Review

Published:
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