What happens to unused HGV points, and how to save them before they expire
Facts verified August 20, 2026 against Hilton Grand Vacations club documents. Figures shown are the standard tier; Premier tiers receive discounts, and rules can change. Always confirm important dates with the club.
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).
- Any portion of your points may be saved for the following calendar year.
- Bonus points can never be saved and are typically valid about 18 months from when they are earned.
- 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.
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. You may save all of your points or only the portion you will not use. One fee covers the transaction. Saving does not extend forever: it buys one additional year, so a saved point still needs a plan.
Bonus points play by different rules
Bonus points, the promotional kind issued at purchase or in offers, cannot be saved, borrowed, or deposited. They are typically valid for about 18 months from the date they are earned, and reservations made with them 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 |
|---|---|
| August 31 | Last day of the cheapest save tier ($124 online). |
| 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.