Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.40%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
N/A
Annual Fee
$300
Diners Club Card Elite Review
This is a rewards card issued by BMO. If you're wondering whether Diners Club Card Elite is the right card for you, read on.
Key Takeaways
- APRs: Diners Club Card Elite has a variable regular purchase APR of 13.40%
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of Diners Club Card Elite
| The Good | The Bad |
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Diners Club Card Elite FAQ
Does Diners Club Card Elite have a cash back or rewards program?
Diners Club Card Elite is a rewards card.
| Description |
Does Diners Club Card Elite have a signup bonus?
This card doesn't offer a cash signup bonus.Does Diners Club Card Elite offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Diners Club Card Elite benefits?
Diners Club Card Elite provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Diners Club Card Elite?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Diners Club Card Elite has a variable purchase APR of 13.40%. Diners Club Card Elite does not offer balance transfers. It also has a variable cash advance APR of 22.49% .
Does Diners Club Card Elite have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Diners Club Card Elite does not offer balance transfers.Does Diners Club Card Elite have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Diners Club Card Elite?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $300 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $150 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $300.
There is a late fee of up to $39 . Does Diners Club Card Elite have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Diners Club Card Elite?
The customer service number for Diners Club Card Elite is (888) 340-2265.
How do people rate the customer service and user experience of Diners Club Card Elite?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Diners Club Card Elite report your account activity to credit bureaus?
Yes, Diners Club Card Elite reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does BMO perform a hard credit pull?
Yes, Diners Club Card Elite performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Diners Club Card Elite
- Visit the website of Diners Club Card Elite.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from BMO
Rating not yet determined
Purchase APR
11.99% - 18.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 18.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 25.99%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 25.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 24.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 24.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
Up to $79
Rating not yet determined
Purchase APR
13.40%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$95
Rating not yet determined
Purchase APR
13.99% - 21.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 21.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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