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You can apply for the card regardless of the membership. By applying for the card, you will be enrolled in the Interval World Mastercard Rewards program, which allows Interval World Mastercard® Credit Cardholders to earn points on the dollars you spend. You can then redeem Points for certain catalog rewards through the card account center.

If you don't want to burden yourself with memberships, consider applying for a general rewards credit card.

The Citi Rewards+® Card, for example, earns 2x points at supermarkets and gas stations for the first $6,000 per year (then 1x points) and 1x points on everything else. The Citi Rewards+ card currently offers a sign-up bonus of 20,000 ThankYou points after spending $1,500 in purchases within three months of account opening. Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on through December 31, 2025.

The card comes with a 0%% intro APR on purchases and balance transfers for the first 15 months from account opening. After that, the variable APR will be 18.74% - 28.74% (Variable) based on your creditworthiness.

You've got plenty of options when it comes to redeeming your points. You can redeem your ThankYou points to pay for travel or transfer them to select loyalty programs with eligible transfer partners. You can also redeem your rewards for cash, gift cards, merchandise, or charitable contributions.

The more straightforward option is the Discover it® Miles card that gives you 1.5X miles for each dollar you spend. The Discover it Miles card also comes with a good 0% Intro APR% intro APR offer for 15 months on purchases and balance transfers, all with no annual fee (18.24% - 28.24% Variable APR thereafter).

As a bonus, Discover will match all the miles you earn in the first year, with no cap. In other words, you'll earn a respectable 3x miles on all purchases in the first year.

You can use your miles to cover any travel bookings by turning your miles into statement credits for travel purchases made within the last 180 days. Miles are also redeemable for cash and to pay at checkout with PayPal.