Should I take this Starwood Vacations offer?

We are currently staying at the The Westin Ka’anapali Ocean Resort Villas, an incredible beachside resort on Maui (we love it by the way).

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We took part in a promotional offer sent to my wife (an SPG credit card holder) for $798 that included:

  • 6 days’ and 5 nights’ accommodations at The Westin Ka’anapali Ocean Resort Villas
  • $75 resort certificate that can be used toward dining, shopping or spa services within the resort
  • $185 AVIS Rental Car Certificate

This has been a great value, the hotel room we are staying in (island studio) does not have a view of the ocean but I do not believe in paying extra for views (if I get this on upgrade it is OK). The room is big enough for my wife, daughter and I and has adequate cooking facilities.

We took an optional 90-minute 120-minute presentation (for an extra 7,500 Starpoints) that showed the benefits of Starwood ownership – sharing the other resorts and villas they have and the benefits of villa ownership.

After we declined we were offered another package:

7 nights and 8 days at the The Westin Ka’anapali Ocean Resort Villas and 50,000 Starpoints for $400 Deposit and 12 payments interest free of $199. 

The catch is that we need to use the package within 2 years and we can’t book the last 10 days of the year.

The cost is $2788!

Should I pull the trigger?