Summary of Credit Terms 

Interest Rates and 

Interest Charges 

Annual Percentage 
Rate (APR) for 
Purchases 

Diners Club Card Premier 

Diners Club Card Elite 

13.15% This APR will vary with the 

market based on the Prime Rate. 

13.15% This APR will vary with the 

market based 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 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

If you are charged interest, the charge will be no less than $0.50. 

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 

Transaction Fees 
• Cash Advance 
• Foreign Transaction 

Penalty Fees 
• Late Payment 
• Returned Payment 

Primary Card- $95 
Additional Card- $35 

Primary Card- $300 
Additional Card- $150 

• Either $4 or 4% of the amount of each cash advance, whichever is greater 
• NONE 

Up to $37 
Up to $37 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (excluding current purchases) to 
calculate your purchase balance and “average daily balance” (including current advances) to calculate your cash advance 
balance. See your Card Agreement for more details. 

BMO Harris Bank N.A. is the issuer of Diners Club credit cards in the U.S. 
OHIO RESIDENTS: The Ohio laws against 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 compliance with this law. 
NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial 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 credit. You 
agree that any credit granted will be used in the interest of your marriage or family. State law may require us to give 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 record 
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 you. We may also ask to see 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 Circle Device are registered trademarks of Diners Club International Ltd. 

Rev 09/20