Points · Mastercard · $95 annual fee
Last verified 2026-09-09. Review issuer source
BMO Diners Club Card is a $95-a-year points card from BMO. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it earns $246, which clears the $95 fee with $151 to spare before any credits or perks.
Pay the fee if you will redeem for travel. For cash back, a no-fee flat-rate card earns nearly as much with less to think about. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
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.
Club 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.
These come from Mastercard, not from BMO. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries 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+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard 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.
Save 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.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Diners Club CardThis card · 1x on everything | $95 | $246 | +$151 | 905th of 1,291 |
| BMO Cash Back MastercardBMO's most-held other card · 5% on cable TV | None | $462 | +$462 | 303rd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
