Free of charge (we just bought disney and can only use one) 5,000 points at Sapphire Resorts. Low annual dues at $307. Comes with RCI access, which is what we've used every year we've owned it. Points will get you 5-6 days at their home resorts or 3-4 days through RCI. We've used it on several 4 day 3 night stays at Great Wolf Lodge in Georgia, Virginia, and North Carolina (Waterpark tickets are included), cruises, and a trip to punta cana.