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Offer to convert deeded Select points to Access points at no cost?

E

ElwoodGator

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Jul 14, 2026
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At an owner meeting, and they’re saying we can get rid of the deed on our 300K Select points at Daytona, and switch to 300K Access points essentially for free. The benefits we’d be mainly getting are the earlier booking window to all resorts, the Bronze VIP level perks for resorts beyond Daytona, and maintenance credits. Plus the “blended” MF structure helping lower the MF compared to what we’re paying now.

Anyone see any issues?
 
I'd want to understand the actual details of "essentially for free". Does that mean free free or perhaps $20,000 which is far cheaper than they charge for 300,000 points?
 
have certainly never heard of this offer being made for free?

is almost always a catch.
 
Update: it’s not actually for no cost. They want a $12k “down payment” to swap our 300k Select for 300k Access points. Even that would raise our monthly MF from $225 to like $260ish. Or, the lowest down payment we could do is $1,500, but our fees go up to about $436ish, which I would not be happy about.

Is there any way having Access points (in the number we have them) is worth a couple hundred more per month in fees?
Seems ridiculous to me.

Any thoughts are appreciated.
 
I suspect the $426ish actually includes the loan payment, or is the loan payment. Thoughts are to not bother, it won't be worth the money you have to pay. Just keep what you have.
 
dioxide45 said:
I suspect the $426ish actually includes the loan payment, or is the loan payment. Thoughts are to not bother, it won't be worth the money you have to pay. Just keep what you have.
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Exactly this. OP, what's the reason your monthly payment would be higher if your down payment is lower? Because the monthly payments include a loan.
 
you can literally have any number of CWA points on the resale market for free....
 
The $426ish is being represented as maintenance fees but I suppose it could be actual MF plus some amount of loan payment. My issue is, we’re not necessarily looking for additional Access points (which would presumably come with their own fees on top of the $225 we’re paying currently). Just turning our 300K Select points into Access points. And that will apparently either cost us $12K plus a nominal monthly MF increase, or $1.5K plus a couple hundred dollars worth of increased MF each month. And I don’t think either option is worth the benefit.

The other thing that plays into this is, apparently a benefit of Access points is that they allow you to accrue what they call “credits” that can be applied to offset the MF. They were showing me a sheet that said if we did this deal, we’d have 529K credits on Jan 1 of next year (alongside our 300K Access points), and those 529K credits, if we use all or most of our Access points to travel throughout the year, would offset about 9 months of those MF we owe. Does that sound at all in the realm of possibility? There is apparently a specific conversion where every 10K credits is worth abiut $50 in MF. That’s how they were coming up with the 9 months estimate. But then they said that $426ish monthly MF number is AFTER those credits had been applied. Which is what made me think, what is even the point of this then? If the credits are part of the benefit of Access points, and this still earns me a couple hundred bucks in MF payments, why would I do this? They tell me with Access points we’d be able to see a much larger number of available rooms (inventory) when trying to book - talking Wyndham inventory here, not Margaritaville or that other thing they sell now. And maybe that’s true, but it doesn’t seem like it could be that useful to be worth that much extra money. Outside of Clearwater Beach, we haven’t had too much trouble finding rooms we want (although admittedly we’re only a couple years in and have largely looked for Florida resorts since we live here).

Also, I have no idea where this 529K “credit” estimate comes from. I’d be afraid it’s a total fabrication and if we do this deal my account would show some completely different (and much smaller) number.

Anyhow. Sorry for the swirl. Just can’t see how this could be worth it but let me know if anyone has experience with this and thinks otherwise.

As y’all point out, we could just acquire more Access points cheaply, but don’t want the additional fees I assume they’ll come with. Unless I’m wrong about that.
 
ElwoodGator said:
The $426ish is being represented as maintenance fees but I suppose it could be actual MF plus some amount of loan payment. My issue is, we’re not necessarily looking for additional Access points (which would presumably come with their own fees on top of the $225 we’re paying currently). Just turning our 300K Select points into Access points. And that will apparently either cost us $12K plus a nominal monthly MF increase, or $1.5K plus a couple hundred dollars worth of increased MF each month. And I don’t think either option is worth the benefit.
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The maintenancew fee isn't different based on how you pay for or fund the intial purchase. If you finance the purchase, you end up with two payments. One for the maintenance fees and another for the loan. If you don't finance it, you pay only the maintnenacne fee. Just as you are doing today.

ElwoodGator said:
The other thing that plays into this is, apparently a benefit of Access points is that they allow you to accrue what they call “credits” that can be applied to offset the MF. They were showing me a sheet that said if we did this deal, we’d have 529K credits on Jan 1 of next year (alongside our 300K Access points), and those 529K credits, if we use all or most of our Access points to travel throughout the year, would offset about 9 months of those MF we owe. Does that sound at all in the realm of possibility? There is apparently a specific conversion where every 10K credits is worth abiut $50 in MF. That’s how they were coming up with the 9 months estimate. But then they said that $426ish monthly MF number is AFTER those credits had been applied. Which is what made me think, what is even the point of this then? If the credits are part of the benefit of Access points, and this still earns me a couple hundred bucks in MF payments, why would I do this? They tell me with Access points we’d be able to see a much larger number of available rooms (inventory) when trying to book - talking Wyndham inventory here, not Margaritaville or that other thing they sell now. And maybe that’s true, but it doesn’t seem like it could be that useful to be worth that much extra money. Outside of Clearwater Beach, we haven’t had too much trouble finding rooms we want (although admittedly we’re only a couple years in and have largely looked for Florida resorts since we live here).

Also, I have no idea where this 529K “credit” estimate comes from. I’d be afraid it’s a total fabrication and if we do this deal my account would show some completely different (and much smaller) number.

Anyhow. Sorry for the swirl. Just can’t see how this could be worth it but let me know if anyone has experience with this and thinks otherwise.

As y’all point out, we could just acquire more Access points cheaply, but don’t want the additional fees I assume they’ll come with. Unless I’m wrong about that.
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There pushing smoke and mirrors here. The only way you can offset some amount of maintenance fees is to rent out your points (via reservations) and use the money made to pay the maintenance fees or you can use Wyndham Reward points. The primary ways, as a Club Wyndham owner, to get Wyndham Reward points is to convert some amount of points to Wyndham Rewards, earn them from the credit card, or earn them through owner updates. They tried to tell me I would get some amount of Wyndham Reward points every year in an amount equal to the Club Wyndham points I have. Hog wash. That was a lie. The conversion of Club Wyndham to Wyndham Rewards isn't enough to cover your maintenance fees. And if you did that you don't have any Club Wyndham points to actually travel. Earning them from the credit card and owner updates is free, but I can find better ways to spend those Wyndham Reward points than converting to Wyndham Rewards.

As for additional inventory, that part is mostly true between 13 months and 10 months. During that time you have access to all the inventory that exists in Club Wyndham Access. That isn't that big of a deal. Booking at 10 months with what you have isn't all that difficult. There are only a few resorts and times of the year that actually require home resort priority at a deeded resort.

Keep what you have. Save $12,000 and keep using what you own.
 
ElwoodGator said:
At an owner meeting, and they’re saying we can get rid of the deed on our 300K Select points at Daytona, and switch to 300K Access points essentially for free. The benefits we’d be mainly getting are the earlier booking window to all resorts, the Bronze VIP level perks for resorts beyond Daytona, and maintenance credits. Plus the “blended” MF structure helping lower the MF compared to what we’re paying now.

Anyone see any issues?
Click to expand...
Yes, they are lying to you, stop going to updates. They are always lying in some form or another - that is a fact basically - and they almost universally use "back of the napkin" daze and confuse sales tactics to convince people to spend their hard earned money for a product that can be obtained for little to no up front money on the resale market. Don't fall for any of the retail sales tactics - the only "person" who wins whenever Wyndham makes a retail sale is Wyndham - period - full stop. Step back for a moment - what other company uses literal back of the napkin fuzzy mathematics to sell a product for tens of thousands of dollars to consumers? We'd strain to give another example really - that is how universally bad retail timeshare sales tactics are and have been for a long time now. That is why they basically always resort to lies to sell the product - there's no other way to do it when the resale market gives it all away for free or close to it.
 
Floridaman76 said:
Nothing is free.

As you can see, here "free" means they are "freeing" you of $12,000
Click to expand...
At least - best guess they're performing what is affectionately called an equity trade/swap of the 300k CWS points for 300k CWA points then adding a small retail purchase on top of that - whatever that $12k (at minimum) calculates out to for the going discount retail CWA points these days. I'd assume $200/1000 or 60k points or $250/1000 or 48k CWA points. There's always more points involved - their only goal is to sell more product.
 
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