Diamond Resorts International® Mastercard® review | finder.com

Diamond Resorts International® Mastercard® review

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Diamond Resorts International® Mastercard®

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.
Product NameDiamond Resorts International® Mastercard®
Card TypeMastercard
Annual Fee$0
Purchase APR17.24%, 22.24%, or 27.24% variable
Intro Purchase APR

N/A

Balance Transfer APR17.24%, 22.24%, or 27.24% variable
Intro Balance Transfer APR 0% for the first 15 billing cycles (then 17.24%, 22.24%, or 27.24% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome Offer2,500 points after your first purchase
Rewards2x points on Diamond Resorts purchases (excluding down payments) and 1x points on all other purchases
Base Rewards1x points
Rewards Points ExpiryNever

The basics

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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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 17.24% to 27.24% 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 17.24% to 27.24% 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
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
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees

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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