Rewards · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity Interval World Mastercard is a no-annual-fee points card from Comenity. Its best everyday rates are 2x on dining, and 2x on gas stations; everything else earns 1x. There is also 3x on Interval International, a single-merchant rate. Rewards are Interval International points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $102, an effective 0.4% back. The welcome bonus, 5,000 points after $500 in 90 days, adds to the first year's return.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
2X points for every $1 spent on purchases at restaurants
2 Points per $1 spent on eligible gas station purchases
3X points for every $1 spent on Interval International purchases
Earn 5,000 Bonus Points after you spend $500 on everyday purchases, from gas to groceries to dining with your Interval World Mastercard® Credit Card within the first 90 days of opening an account.
Comenity adds nothing beyond the World Mastercard benefits below.
These come from Mastercard, not from Comenity. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Interval World Mastercard®This card · 2x on dining | None | $102 | +$102 | 991st of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
