Lunch on MSC Sinfonia
Photo: Lunch on MSC Sinfonia / MSC Cruises

9. MSC Cruises

Name: Voyagers Club
Cruise Discount: 5 percent off all cruises, up to 20 percent off select cruises
Points: You earn points for every cruise, with the amount depending on both the duration of your cruise and the category of stateroom booked.
Extras: On MSC, Classic Membership (one to 2,199 points) will get you a welcome cocktail, while the top-tier Black Membership (10,000 or more points) earns you priority boarding and complimentary meals and classes. You have to keep cruising to keep your points, though. They expire if you don't take at least one cruise every three years.