Managing your Abound Club Points is an important part of getting the most out of your Marriott Vacation Club ownership. Whether you’re planning a future getaway, need a few extra points for a dream vacation, or want to share points with another owner, understanding how to bank, borrow, and transfer points can make all of that possible.
In this article, we’ll be helping you understand the options available to you for situations where you will not be able to utilize your points as expected, or if you need a large number of points to book your next vacation. We’ll cover key ownership concepts like use year, banking deadlines, borrowing points, and transferring points. Let’s take a closer look!
Know Your Use Year
A Use Year is the 12-month period in which you can use your Abound Club Points. Owners are awarded their points at the beginning of the Use Year, then have 12 months to book, bank, or exchange their points before they expire at the end of the Use Year.
For example, say that your Vacation Club contract closed on March 15th. Your Use Year would then start on April 1st of each year, and end on March 31st, the following year. Your Use Year is the time period when you can use your points to book your vacation. Keep in mind, the Use Year of your ownership doesn’t necessarily line up with the calendar year.
Banking, Borrowing or Transferring Marriott Points
Life happens, and sometimes using your allotted Vacation Club Points to book a vacation in your Use Year is not feasible. Or maybe you wish to book something that requires more points than you have currently available to you. Regardless of your situation, you have options to design the perfect vacation for your needs.
Banking Abound Club Points
If you wish, some or all Vacation Club Points can be banked to be used in the following Use Year. Banked points from your current Use Year will need to be used within the following Use Year for most membership levels, but are given up to 1.5 Use Years before expiration with the Presidential membership level, and up to 2 Use Years with the Chairman’s Club membership level.
Keep in mind, banking is a one-way affair. Banked points may not be borrowed back into the Use Year they came from. Banked points are also not able to be banked more than once, or transferred to a different Owner.
The section below covers the deadlines for banking points for all membership levels.
Banking Deadlines and Use Period
Banking deadlines and the period that points can be used for after being banked, depends on your membership level. Membership level is determined by the number of Vacation Points you own, you can learn more at the subject with the following link: Marriott Abound Benefits by Membership Level.
| Benefit Level | Annual Vacation Club Points | Banking Deadline* | Use Banked Vacation Club Points |
|---|---|---|---|
| Owner | Up to 3,999 | 6 months | Within the immediately following Use Year |
| Select | 4,000 to 6,999 | 6 months | |
| Executive | 7,000 to 9,999 | 4 months | |
| Presidential | 10,000 to 14,999 | 4 months | Within the following 1.5 Use Years |
| Chairman’s Club | 15,000 or more | 2 months | Within the following 2 Use Years |
| *Prior to the end of current use year | |||
Borrowing Abound Club Points
Owners can borrow all or some of their points from the next upcoming Use Year in order to make a larger reservation. The reservation’s check in date will need to be used in your current or following Use Year based on check in date of your desired reservation, and can be booked up to 25 months in advance of the Use Year that you are borrowing from.
For example, your Use Year you wish to borrow from begins on June 1, 2027. On May 1, 2025 you can book a vacation with a check in date in your 2026 Use Year using borrowed points from your 2027 Use Year. If you’d like to learn more about what booking windows are available to you as an owner, and how far in advance you can book your vacations, you can read our article: Marriott Vacation Club Reservation Booking Windows.
Reservation Cancellations Using Borrowed Points
It is important to keep in mind that if you need to cancel the vacation booked with borrowed Club Points, the borrowed points can be used to book another vacation prior to their original expiration date. Those borrowed points will not be able to be banked for the following Use Year or transferred.
Learn everything there is to know about Marriott’s reservation cancellation policy by reading our article here: Marriott Vacation Club Reservations Cancellation Policy.
Transferring Abound Club Points
As long as Vacation Club Points are not banked or borrowed, they are able to be transferred to another Owner or Exchange Program Member. When Vacation Club Points are transferred they will retain the transferring Owner’s Use Year. When points are transferred they will no longer be able to be banked, borrowed, or transferred a second time or traded for Marriott Rewards points.
Exchanging Your Abound Club Points for Marriott Bonvoy Points
One additional option Marriott owners have is to exchange a portion of their Abound Club Points for Marriott Bonvoy Points.
| Marriott Vacation Club Points | Bonvoy Points | ||
|---|---|---|---|
| 1 | 40 |
Marriott Bonvoy points are part of Marriott International’s loyalty program, offering members a range of benefits when staying at participating hotels. These points can be earned through stays, credit card spending, and promotions, and can be redeemed for free nights, room upgrades, travel packages, and even exclusive experiences such as events and activities.
Marriott Bonvoy spans a wide collection of hotel brands, including luxury options like The Ritz-Carlton and St. Regis, lifestyle and boutique hotels such as W Hotels and AC Hotels, as well as mid-range choices like Marriott, Sheraton, and Courtyard by Marriott. This versatility allows members to customize their travel experiences across more than 30 brands worldwide.
| Membership Level | Percentage of Marriott Vacation Club Points |
|---|---|
| Chairman’s Club | 75% |
| Executive and Presidential | 65% |
| Owners and Select | 50% |
- Chairman’s Club Members may exchange up to 75% of their Marriott Vacation Club Points for Bonvoy Points
- Executive and Presidential Members may exchange up to 65% of their Marriott Vacation Club Points for Bonvoy Points
- Owners and Select Members may exchange up to 50% of their Marriott Vacation Club Points for Bonvoy Points
How To Bank, Borrow or Transfer Abound Club Points
When managing your unused points, you have a few different options. You can always call Marriott’s owner services by dialing 888-MVC-4VOA (888-682-4862) between the hours of 9:00 am and 8:00 pm eastern time. The Vacation Ownership Advisor Team can assist you over the phone, and walk you through the process.
Alternatively, you can use your online member dashboard to complete the banking, borrowing, or transfer process by logging in at the following link: https://owners.marriottvacationclub.com/timeshare/mvco/owner/login. Once you are logged in, you can follow the instructions below.
Step by Step Banking Instructions
1. Log into Your Abound Club Account
Access your member account through the Abound Club’s website or mobile app using your login credentials.
2. Navigate to the Points Management Section
Once logged in, find the “Use Points” item in the top menu. Select the option for “Bank Points.”
3. Select the Use Year to Bank From and To
You’ll see a table consisting of multiple use year options. Choose the row in the table that has the correct “From use year” and “To use year”. Simply enter the number of points you wish to bank in the field on the right of the correct row.
4. Confirm Your Banking Request
Review the details for accuracy and confirm by clicking the “Bank Points” button. You’ll receive a confirmation email or notification for your records.
Step by Step Borrowing Instructions
1. Access Your Account
Log into your Abound Club account on the website.
2. Go to the Book Using Points Section
Navigate to the section labeled “Book Using Points” under the “Use Points” menu.
3. Book a Reservation that Requires More Abound Club Points than you Currently have
Use the search function to select a resort, dates, number of nights, number of guests. Marriott’s system will automatically attempt to borrow points from a future Use Year to complete the reservation.
4. Submit a Reservation Request
Confirm the number of points you need to complete the request, and which Use Year they are being borrowed from. Be sure to have the “Borrow to use these points” checkbox activated. Confirm the request, and the points will be borrowed from a future Use Year immediately.
Step by Step Transferring Instructions
1. Login to your Marriott Vacation Club account on the members-only website
Ensure both ownership accounts are current in dues and fees before proceeding with the transfer process.
2. Locate the Transfer Form
The form can be found by visiting this link after logging in: https://owners.marriottvacationclub.com/timeshare/mvco/points/usageoptions then scrolling to the bottom of the page and clicking the “Transfer Points” button.
3. Fill out the Transferring Owner Information Form
Be sure to check for accuracy, including the Contract ID, Use Year, Type of Club Points to Transfer, and the Number of Club Points to Transfer.
4. Fill out the Recipient Owner Information Form
Be sure to check for accuracy, including the Owner First Name, Owner Last Name, Owner Number, and Contract ID.
5. Submit the form
The transfer can take up to hree business days to complete
Managing your Abound Club Points is straightforward once you know how to bank, borrow, or transfer them. By following these steps, you can optimize your membership benefits and enjoy seamless planning for your next vacation.
Marriott Abound Club Points offer owners so many options to make their timeshare work for them. Whether it is banking or borrowing points, or transferring them to another owner, there is always flexibility.
Do you have any remaining questions about Marriott Vacation Club points or how to save thousands by buying your Marriott Vacation Club Points on the resale market? Feel free to contact us by filling out a form for more information on how you can take advantage of all the benefits Marriott has to offer for much less!
We’ll have one of our licensed Real Estate agents reach out to you for a free consultation to determine if purchasing Marriott Vacation Club Points on the resale market is right for you.
