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Diamond Resorts International® Mastercard® review

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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.

2,500

Points as welcome offer

Up to 2x

Points

$0

Annual fee

16.49%, 20.49% or 23.49

Purchase APR (variable)

Details

Product NameDiamond Resorts International® Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR16.49%, 20.49% or 23.49 variable
Balance transfer APR0% intro for the first 15 billing cycles (then 16.49%, 20.49% or 23.49 variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $37
Returned payment feeUp to $37
Additional cardholder fee$0

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards 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

This card could be the right fit if you’re a Diamond Resorts regular. You could earn points on purchases and get interest-free financing for qualifying Diamond Resorts vacation ownership purchases. The card also has no annual fee and comes with a decent signup bonus.

Another hotel credit card

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.
  • No foreign transaction fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your card. Plus, spend $20,000 on eligible purchases on your card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No annual fee.
  • Terms apply.
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See Rates & Fees

The perks

  • 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.

You’ll also like

  • 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 16.49% to 23.49% 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 16.49% to 23.49% 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
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Bottom line

If you’re a Diamond Resorts regular, the Diamond Resorts International® 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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