Interval International® Mastercard® Review: Rewards, Fees & Benefits

Welcome Bonus

10,000 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 5x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints expire 36 months after the date they are earned.

Redemption NotesRedemption limited to Interval International membership, Getaway weeks, and other Interval International products and services.

Category	Rate	Type	Cap
Interval International Purchases Purchases made directly with Interval International.	5x	Points	No cap
Travel Purchases categorized as travel.	2x	Points	No cap
Dining Purchases categorized as dining.	2x	Points	No cap
Gas Purchases categorized as gas.	2x	Points	No cap
All Other Purchases All eligible purchases not falling into other bonus categories.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee Enjoy the benefits of the Interval World Mastercard without paying an annual fee.	Financial	$0 annual fee
1X Point on All Other Purchases Earn 1 point for every $1 spent on all other eligible purchases.	Rewards	1X point per $1
2X Points on Dining and Travel Purchases Earn 2 points for every $1 spent on eligible dining and travel purchases.	Rewards	2X points per $1
5X Points on Interval International Purchases Earn 5 points for every $1 spent on eligible Interval International purchases.	Rewards	5X points per $1
Points Redemption for Interval International Rewards Redeem points for Interval International Rewards, including Interval International membership, Getaway weeks, and other Interval International products and services. Points expire 36 months from the date they are earned.	Rewards	Redeemable for Interval International Rewards
Mastercard ID Theft Protection Provides services to help detect and resolve identity theft, including identity monitoring, fraud resolution support, and a dedicated specialist.	Security	Comprehensive ID theft protection
Zero Liability Protection Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.	Security	No liability for unauthorized transactions
Mastercard Global Service Provides emergency assistance services 24 hours a day, 7 days a week, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.	Travel	24/7 emergency assistance
Welcome Offer: 10,000 Bonus Points Receive 10,000 bonus points after you spend $1,000 in the first 90 days.	Welcome Offer	10,000 bonus points

Interest Rates

Purchase APR21.24%–29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments are required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsVery Good

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex cards, rapid spending on new cards followed by minimal use, spending patterns inconsistent with stated income or profile, abuse of return policies, excessive credit applications (even non-Amex), failure to pay bills on time, bouncing payments, closing accounts shortly after receiving bonuses, opening too many Amex accounts in a short period, triggering a Financial Review (FR) due to unusual financial activity or large deposits/withdrawals.

Cliff Effect Rules

The primary cliff effect is Amex's 'Once Per Lifetime' rule. If the 'interval-world-mastercard' is part of a broader 'Interval World' product family (e.g., different tiers or versions), receiving a bonus on one card in that family may preclude you from receiving a bonus on another, as Amex often groups similar products for bonus eligibility. This rule is strictly enforced.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Based on current American Express policies, which are anticipated to remain consistent for 2026, Amex operates under a 'Once Per Lifetime' rule for welcome bonuses. This means you are generally eligible for one welcome bonus per specific card product (or a closely related product family) in your lifetime. If you have previously received a bonus for the 'interval-world-mastercard' or a variant sharing the same bonus pool, you will not be eligible for another. Application Eligibility Requirements for 2026: - Must be 18 years or older. - Must be a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). - Requires good to excellent credit history (typically FICO score of 700+). - Amex application rules include a '2/90 rule' (maximum of 2 credit card approvals every 90 days) and a '1/5 rule' (maximum of 1 credit card approval every 5 days). Charge cards do not count towards these limits. - Applicants may be subject to 'Pop-up Jail' if Amex's internal systems determine they are unlikely to be eligible for a welcome bonus based on past account history or perceived bonus churning behavior.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Federal law provides important protections to members of the Armed Forces and their dependents, including an annual percentage rate cap of 36 percent on consumer credit, which includes certain fees.

Interval International® Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary