Is there a date after which HGV points cannot be saved at all?

For US Collection trust members, yes. Under US Collection Rules 2.2.13, up to 100 percent of the annual allocation may be saved if the club is notified by June 30, up to 50 percent by August 31, and up to 25 percent by October 31. After October 31 no saving is available for that year. The save instruction cannot be canceled once given, and saved points must be used in the immediately following calendar year.

When do Hilton Grand Vacations points expire?

Club points expire on December 31 of their use year unless they are saved into the following year before the deadline. Points do not roll over on their own.

How much does it cost to save HGV points?

For standard tier members in 2026, saving points online costs $124 from January 1 through August 31, $144 from September 1 through November 30, and $256 from December 1 through December 31. Saving by phone costs more at each step: $148, $168 and $276. Premier members receive discounts, and saving is complimentary for Premier Plus and Centum tiers. Fee schedules are revised annually and differ by membership product, so confirm your own figure in your account. Save fees are non-refundable.

Can bonus points be saved?

No. Bonus points cannot be saved, borrowed, or deposited into a future year. The club default expiry is two years from the date of issuance, though individual promotions are permitted to shorten that window and some sales attach an 18 month clock, so your own purchase paperwork governs. A reservation confirmed before the expiry date may generally be travelled after it.

Do I still pay maintenance fees if my points expire?

Yes. Maintenance fees are billed whether or not points are used. When points expire, the fees paid for that use year bought nothing.

Can I save only part of my points?

Yes. Any portion of a use year's club points may be saved for use in the following calendar year, for one save fee.

What happens to unused HGV points, and how to save them before they expire

Reviewed August 20, 2026. The fee schedule below is the 2026 standard tier schedule as documented in current Hilton Grand Vacations purchase paperwork; deadline and save-cap rules are checked against club disclosure documents. Fees differ by membership tier and product and are revised annually, so confirm your own figure in your club account before you act. Rules can change; always confirm important dates with the club.

A still resort pool at dusk, loungers waiting with rolled towels

Hilton Grand Vacations club points expire on December 31 of their use year unless you save them into the following year first. Saving is allowed, costs a fee that climbs as the year goes on, and takes minutes on the club site. Points that expire are gone, and the maintenance fees that paid for them are not refunded.

Key facts

Club points expire December 31 of their use year. They do not roll over on their own.
Saving points online costs $124 through August 31, $144 from September 1, and $256 in December (2026 standard tier). Phone costs more at every step.
How much you may save can depend on the calendar: US Collection members may save up to 100 percent by June 30, up to 50 percent by August 31, and up to 25 percent by October 31, with no saving after that (US Collection Rules 2.2.13).
Bonus points can never be saved. The club default is two years from issuance, though individual promotions can shorten that, so check your own paperwork.
Maintenance fees are owed whether or not the points get used.

The save fee schedule: waiting is expensive

The club charges one fee to push a use year's points into the next calendar year. The later in the year you decide, the more that decision costs. The 2026 schedule for standard tier members:

When you save	Online	By phone
January 1 to August 31	$124	$148
September 1 to November 30	$144	$168
December 1 to December 31	$256	$276

From the first tier to the last, the online fee more than doubles, from $124 to $256. Premier members pay discounted rates, and saving is complimentary at the Premier Plus and Centum tiers. Save fees are non-refundable once paid. Fee schedules are revised annually and differ by membership product, so treat the table as the standard tier baseline and confirm your own figure in your account.

The practical rule: if you already know you will not travel on this year's points, save them before August 31. Every month of waiting past that costs money and December is the most expensive month to decide anything.

What saving actually does

Saved points move into the next calendar year and behave like that year's points for booking. One fee covers the transaction. Saving does not extend forever: it buys one additional year, so a saved point still needs a plan.

US Collection members: the deadline is harder than the fee

If your membership is in the US Collection trust, the rules also cap how many points you may save by date, and the instruction cannot be canceled once given. Up to 100 percent of your allocation may be saved if you notify the club by June 30. By August 31 the cap drops to 50 percent. By October 31 it drops to 25 percent, and after October 31 saving is off the table for the year entirely. Saved points must be used in the immediately following calendar year. The source is US Collection Rules and Regulations 2.2.13; your membership documents govern which rule set applies to you.

Bonus points play by different rules

Bonus points, the promotional kind issued at purchase or in offers, cannot be saved, borrowed, or deposited into a future year. The club default is two years from the date of issuance, but individual promotions are allowed to shorten that window, and some sales attach an 18 month clock instead. Your own purchase paperwork is the authority on which applies to you. A reservation confirmed before the expiry date may generally be travelled after it, and reservations made with bonus points follow their own booking limits. If your account holds both kinds, spend bonus points first when a trip allows it, because your club points have a rescue option and your bonus points do not.

The math nobody enjoys

Maintenance fees arrive whether or not the points get used. A typical owner's annual bill runs from several hundred dollars to a few thousand depending on the size of the holding. When points expire unused, that money purchased nothing. Against that arithmetic, even a December save fee of $256 is usually the better outcome, and an August save at $124 is better still. The cheapest option of all is a booked vacation.

A calendar worth keeping

Date	What it means
June 30	US Collection: last day to save up to 100 percent of your points.
August 31	Last day of the cheapest save tier ($124 online). US Collection: save cap drops to 50 percent after today.
October 31	US Collection: last day to save anything at all (up to 25 percent).
November 30	Last day of the middle tier ($144 online).
December 31	Points not saved by end of day are gone.

This daily date-watching is exactly what SuiteButler does for members. Our systems and staff watch your use year, your save windows, and your booking dates, and reach out well before the expensive end of the year. Founding members lock $19 a month for life.

No charge until doors open. No card required today. We never sell your address, and one click removes you.

SuiteButler is an independent concierge service operated by StableState LLC. We are not affiliated with Hilton Grand Vacations, and we are not a resale, rental, or exit company. We never ask for money to sell a timeshare and never charge before doors open. Questions: care@suitebutler.com.