Summary of Credit Terms 
Interest Rates and 
Interest Charges Diners Club Card Premier Diners Club Card Elite Annual Percentage Rate (APR) for Purchases 
13.15% This APR will vary with the
market base d on the Prime  Rate. 13.15% This APR will vary with the
market b ased on the Prime  Rate. 
APR for Cash Advances 22.24% This APR will vary with the market based on the Prime Rate.  
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the Post date.  
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.  
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 
Fees Diners Club Card Premier Diners Club Card Elite Annual Fee Primary Card- $95 Additional Card- $35 Primary Card- $300 Additional Card- $150 
Transaction Fees 
�Cash Advance
�Foreign Transaction�Either $10 or 5% of the amount of each cash advance, whichever is greater
�NONE
Penalty Fees 
�Late Payment
�Returned PaymentUp to $39  
Up to $39  
How We Will Calculate Your Balance:  We use a method called �average daily  balance� (excluding c urrent purchases ) 
to calculate your purchas e balance and �average daily balance� (inc luding current advanc es) to calculate your cash 
advance balance. See your Card Agreement for more details.  
Penalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same type 
occurs within six billing cycles, we will charge up to the maximum fee in the table above. The Late Payment and Returned 
Payment fees will not exceed the related Minimum Payment Due. 
BMO Harris Bank N.A. is  the issuer of Diners  Club credit cards in the U.S. 
OHIO RESIDENTS: The Ohio laws agains t discrimination require that all creditors make credit equally available to all credit 
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio 
civil rights commission administers c ompliance with this law. 
NEW YORK RESIDENTS: New York residents may contac t the New York State Department of Financ ial Services by telephone or 
visit its website for free information on comparative credit card rates, fees and grace periods. New York State Department of 
Financial Services: 1-800-342-3736 or http://www.dfs .ny.gov. 
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court 
decree adversely affects our rights unless we get a copy of the agreement, statement or decree before we grant you c redit. You 
agree that any credit granted will be used in the interest of your marriage or family. State law may require us to giv e notice of this 
credit card account to your spouse. 
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the 
funding of terrorism and money laundering activities , Federal law requires all financial institutions to obtain, verify and rec ord 
information that identifies each person who opens an account. What this means  for you: When you open an account, we will ask for 
your name, address, date of birth and other information that will allow us to identify y ou. We may also ask to s ee your driver�s 
license or other identifying documents . 
Banking products and services are provided by BMO Harris Bank N.A. and are subject to credit approval. BMO Harris� and BMO Harris Bank� are trade names used by 
BMO Harris Bank N.A. Member FDIC Diners Club� and Diners Club International with Split Circ le Device are regis tered trademarks  of Diners Club International Ltd.  
Rev 06/21