• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 30 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered 24 hours a day!
  • TUG started 30 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Read about our 30th anniversary: Happy 30th Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Free memberships for every 50 subscribers!

    Visit TUG on Youtube!
  • TUG has now saved timeshare owners more than $21,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $21 Million dollars
  • Sign up to get the TUG Newsletter for free!

    60,000+ subscribing owners! A weekly recap of the best Timeshare resort reviews and the most popular topics discussed by owners!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    All T-shirt options here!
  • A few of the most common links here on the forums for newbies and guests!

Maximizing Points/Converting Question


Jun 9, 2024
Reaction score
We are new here. We have owned for 2 years and have been to a few resorts. Throughout the presentations, a couple of people told us about maximizing points, rewards, converting, etc., and it was overwhelming. We have the Barclays card and Choice set up.

How do people convert/use points/rewards most effectively?

We were told we could use all of the above to help cover the maintenance fee.

I should have been taking notes, but they made it look so easy. Now I'm a bit lost.

Thanks in advance for any positive advice.


TUG Review Crew: Expert
TUG Member
Jun 6, 2005
Reaction score
The Hamptons, NY
Resorts Owned
Marriott Bluegreen SVV Morritt's Seaside Former WSJx5
If you use your BG credit card, you will earn points that can be used for Maint fees.

Everything else is smoke and mirrors.