Diners Club Card Elite
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How we calculate effective rate →
The Diners Club Card Elite from BMO earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $300.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $300
Best for dining-heavy spend when the $300 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points. Travel perks may add value beyond the earn rate.
What does the Diners Club Card Elite earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Diners Club Card Elite compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Diners Club Card Elite compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Diners Club Card Elite?
The Diners Club Card Elite fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points. Travel perks may add value beyond the earn rate.
Diners Club Card Elite fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points. Travel perks may add value beyond the earn rate.
Less compelling if the $300 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $300 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $300 annual fee requires enough spend in bonus categories to offset.
- points value depends on how you redeem, not straight cash back.
Does the Diners Club Card Elite have an annual fee?
The Diners Club Card Elite has an annual fee of $300 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $300
- Foreign transaction fee
- None
What travel perks does the Diners Club Card Elite include?
The Diners Club Card Elite includes Lounge access, Airport Lounge Access, Club Cash® Access, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Cardmembers can access an extensive network of airport lounges in countries around the world featuring English-speaking staff, complimentary beverage service, flight information, newspapers, television, and business centers.
What benefits come with the Diners Club Card Elite?
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Airport Lounge Access
$99/yrCardmembers can access an extensive network of airport lounges in countries around the world featuring English-speaking staff, complimentary beverage service, flight information, newspapers, television, and business centers.
Club Cash® Access
$25/yrClub Cash® allows cardmembers cash access at more than 1.2 million global ATMs in more than 130 countries & territories for unexpected expenses, incidentals and/or emergencies — 24 hours a day, 7 days a week.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Diners Club Card Elite
Does the Diners Club Card Elite have an annual fee?
The Diners Club Card Elite carries an annual fee of $300 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Diners Club Card Elite?
Dining is the strongest Madeen category for the Diners Club Card Elite at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Diners Club Card Elite charge foreign transaction fees?
The Diners Club Card Elite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Diners Club Card Elite annual fee worth it?
Whether the $300 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Diners Club Card Elite?
Madeen's catalog lists a typical credit range of Good to Excellent for the Diners Club Card Elite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Diners Club Card Elite?
Rewards on the Diners Club Card Elite post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Diners Club Card Elite compare to similar cards?
Compare the Diners Club Card Elite against BMO Escape (4% on Dining, $150 fee); BMO Premium Rewards Mastercard (3% on Dining, $95 fee); Diners Club Card (1% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Diners Club Card Elite This card | Dining | 0% | $300 |
| Dining | 4% | $150 | |
| Dining | 3% | $95 | |
| Dining | 1% | $95 | |
| Dining | 1% | $95 |
Side-by-side comparisons
Store-specific guides
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BMO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of BMO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure