Rental cars, hotels stays..............and I know you said "other than credit cards", but the Choice CC sounds like it might be a good card for you based on your SWA Travel history (13 RR credits in the past 21-22 months). No annual fee, ~10 RR credits upon first purchase with the current promo, and bankable credits which would probably be the most beneficial to you. You could just transfer 4 credits to SWA in Oct and then bank the rest of them until you need them a couple years from now for your next RR award (assuming there is no devaluation in the Choice ---> RR transfer rate......which I'm not sure can be assumed seeing how good the rate is currently). But you'd hafta jump on it, if you sign up today, you should get your card in about 1-2 weeks, make a charge ASAP and then your credits should post by late Sept/early Oct. Then the transfer from Choice to RR takes 2-5 days. It's probably your best option out there. ^