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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 Name | Diamond Resorts International® Mastercard® |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 |
| Purchase APR | 16.49%, 20.49% or 23.49 variable |
| Balance transfer APR | 0% 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 rate | 26.74% variable |
| Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
| Foreign transaction fee | 3% of the transaction value |
| Interest free period | Up to 23 days |
| Late payment fee | Up to $37 |
| Returned payment fee | Up to $37 |
| Additional cardholder fee | $0 |
Expert review
Review by
Kliment Dukovski
kliment.dukovski@findercrew.comKliment 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.
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.
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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.