You’d be hard-pressed to find a financial expert who would advise against saving money, but when it comes to the currency of hotel points, many travel experts agree it would behoove you to spend them, not save them.

For starters, points can undergo devaluations, meaning the same amount of points that booked you five nights last year might only cover four nights now.

Even worse, points can expire completely. Often, hotel loyalty program points expire if your account is inactive for a period of time — typically one to two years.

To help make sure your points don’t evaporate before you're ready to escape on vacation, we’ve put together a guide with hotel point expiration dates for eight major hotel chains:

Hotel points expiration dates and terms

Here's how points expiration works, broken down by brand.

How to keep your hotel points from expiring

The good news is that you don’t actually have to stay at a hotel within that expiration period to keep your points active. In most cases, you can prevent your points from expiring by earning points through other means — such as using hotel-branded credit cards — or spending them on other non-hotel bookings.

Here are some specific, non-stay ways to keep your hotel loyalty accounts active, broken down by hotel brand (this is not a comprehensive list):

Choice Privileges

Redeem points for Choice gift cards.

Spend money via the Choice Privileges® Mastercard®.

Purchase points.

Refer a friend who then completes a point-eligible stay.

Hilton Honors

Earn Hilton Honors Points through third-party sources, such as spending on a Hilton co-branded credit card.

Purchase Hilton Honors points.

Donate points through the Hilton Honors Giving Back Program.

World of Hyatt

Redeem points for dining and spa services at Hyatt hotels, or Avis car rentals.

Convert your points into miles with one of Hyatt’s airline partners.

Purchase points.

Combine points with another World of Hyatt member’s account.

Hold an active World of Hyatt Credit Card.

IHG One Rewards

Spend money with the IHG® One Rewards Premier Credit Card.

Marriott Bonvoy

Spending money with Marriott through non-stay hotel spending (i.e., eligible, on-property spas or restaurants).

Spending money via a Marriott Bonvoy credit card.

Purchasing Bonvoy points.

Converting Bonvoy points to airline miles (or airline miles to Bonvoy points).

That said, there are also common ways you might spend or earn points that don’t count as qualifying activity to prevent your Marriott Bonvoy points from expiring. Those include:

Gifting or transferring points to someone else, or receiving points from someone else.

Earning points via occasional social media promotions.

Wyndham Rewards

Book qualifying car rentals through Avis and Budget.

Spend money with a Wyndham credit card.

Participate in surveys through the SSI Opinion Rewards Panel, which is Wyndham’s survey partner (for U.S. customers only).

The bottom line

It can be a bummer when you think you’ve accrued enough points for your vacation, only to find that they’ve expired. Check your accounts for when you last showed activity.

If you don’t plan on using your points before they expire, take action now. You might have to fill out a survey or donate a small chunk of points to charity. But the small sacrifice in time or charitable donations is likely worth it to make sure your hotel points don’t expire completely.