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Diners Club Card Elite

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Highlights
Purchase APR  (Variable APR) 13.40%
Balance Transfer APR N/A
Credit Score Range N/A
Annual Fee $300

Diners Club Card Elite Review

This is a rewards credit card issued by BMO Harris Bank. If you're wondering whether Diners Club Card Elite is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Diners Club Card Elite has a variable 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 rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
Pros & Cons of Diners Club Card Elite
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Diners Club Card Elite reports to multiple credit bureaus.
  • Charges an annual fee of $300
  • Does not offer a signup bonus.
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.

Diners Club Card Elite Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Diners Club Card Elite has a variable purchase APR of 13.40%. 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.

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?

The following fees apply:

Diners Club Card Elite Fees
Fees Amount
Annual Fee $300
Foreign Transaction Fee 0%
Returned Payment Fee $39
Late Payment Fee $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 Diners Club Card Elite customer service number is (800) 627-8372.

What is the support contact email for Diners Club Card Elite?

The support contact email for Diners Club Card Elite is servicemembers@bmo.com.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Diners Club Card Elite

  • Visit the Diners Club Card Elite website.
  • 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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Annual Fee $300
Minimum Interest Charge $0.50
Returned Payment Fee $39
Additional Card Fee Amount $150
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
  • Airport Lounge Access
Rewards Categories
  • 3x Points on Drug Store Purchases
  • 3x Points on Gas
  • 3x Points on Groceries
Cash Advance APR (Variable APR) 22.49%
Purchase APR (Variable APR) 13.40%
Card Type
  • Rewards
Card Network Mastercard

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