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Diamond Resorts World Mastercard® review

A no-annual-fee card for those who love Diamond Resorts.

  • Get this card if you often stay at Diamond Resorts.
  • Pick something else if you want a general travel rewards credit card or an intro APR period on purchases.
  • Apply with a good to an excellent credit score of 670 or higher.
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Points as welcome offer

Up to 2x



Annual fee


Intro purchase APR

for the first six billing cycles (then 15.74%, 19.99% or 24.99% variable)


Annual fee$0
Welcome offer2,500 points after your first purchase
Rewards2x points at Diamond Resorts (excluding down payments) and 1x points on all other purchases
Purchase APR0% intro for the first six billing cycles (then 15.74%, 19.99% or 24.99% variable)
Balance transfer APR0% intro for the first 15 billing cycles (then 15.74%, 19.99% or 24.99% variable)
Minimum Credit Score670

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Diamond Resorts International® Mastercard® is a travel credit card with a $0 annual fee, a mediocre signup bonus, intro APRs and rewards on all purchases.

When deciding whether to get the card, your decision can be relatively simple: Just consider how often you spend with Diamond Resorts.

If you’re a regular, the card could be useful. It offers 2x points on Diamond Resorts purchases, excluding down payments. On top of that, you’ll earn 500 points for every $2,000 in spending of any kind outside of down payments. Given that level of spending, you’re essentially getting a 2.25% rewards rate on eligible Diamond Resorts purchases, which is great for a no-annual-fee card.

If you don’t stay with Diamond Resorts much, the card might not pack enough value for you. You’ll earn 1x points on spending outside of Diamond Resorts purchases, which is effectively a 1.25% rewards rate given the points boost. Meanwhile, you’ll find no-annual-fee competitors that offer a superior 1.5% rewards rate on all purchases.

The card’s signup bonus — 2,500 points after your first purchase — leaves a lot to be desired. It’s easy to qualify for, as you need to make one purchase. But 2,500 points are worth just $25 in Diamond Resorts statement credit, which is much lower than the signup-bonus value you’ll find with other travel cards. Similarly, the promo APR is short and could be extended to all purchases — not just Diamond Vacation Ownership down payments.

If you’re looking for a balance transfer intro APR, however, you’ll find a solid one here: 15 months on transfers you make within 45 days of account opening, then 15.74%, 19.99% or 24.99% variable.

How to apply for the Diamond Resorts World Mastercard®

  1. Visit the Barclays website and navigate to the Diamond Resorts World Mastercard® page.
  2. Click Apply now.
  3. Complete the application with information such as your full name, employment information, total annual income, contact information and Social Security number.
  4. Review your information and submit your application.

What credit score do I need?

Applicants typically have the best chances of approval when they have good to excellent FICO credit scores of at least 670. Keep in mind that approval is never guaranteed.

Card benefits

  • Signup bonus.
    Earn 2,500 bonus Diamond plus points after you make your first purchase with your card.
  • Diamond plus points.
    Earn 2x points on Diamond Resorts purchases and 1x points on everything else you buy.
  • Bonus points.
    Earn an additional 500 Diamond points for every $2,000 you spend with your card.
  • Promo APR period on Diamond Resorts purchases.
    You’ll get a 0% promo APR period for six months on qualifying Diamond Resorts purchases. After that, a variable APR of 15.74% to 24.99% applies.
  • Intro APR period on balance transfers.
    Enjoy a 0% intro APR period on balance transfers made within your first 45 days of account opening for 15 billing cycles. Once the intro period expires, a variable APR of 15.74% to 24.99% applies.
  • No annual fee.
    You won’t pay a fee to own the card.

What to watch out for

  • Foreign transaction fees.
    Despite being a travel card, using it abroad is not advised. You’ll incur a 3% fee of the amount of each transaction made outside the US.
  • Balance transfer limitations.
    You must complete your balance transfers within your first 45 days of account opening to take advantage of the intro APR.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.

Compare up to 4 providers

Bottom line

If you’re a Diamond Resorts regular, the Diamond Resorts World Mastercard® could be a solid choice for you. You get to earn points on your purchases and can pay off your qualifying Diamond Resort purchases interest-free for a few months.

But if it doesn’t sound like the right fit, compare travel credit cards for other options.

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