13
Benefits5
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Diamond Resorts & Hilton Grand Vacations | 3x | Points | Eligible purchases made at Diamond Resorts® and Hilton Grand Vacations® properties | No Cap | |
| Restaurants | 2x | Points | Eligible purchases at restaurants | No Cap | |
| Gas Stations | 2x | Points | Eligible purchases at gas stations | No Cap | |
| Grocery Stores | 2x | Points | Eligible purchases at grocery stores | No Cap | |
| Everywhere Else | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Discontinued
Base Rate: 0x
Bonus Rate: 0x
Categories: This credit card program was discontinued following the acquisition of Diamond Resorts by Hilton Grand Vacations. No rewards are offered for 2026.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Program discontinued; no new points can be earned or redeemed through this card for 2026.
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A - Program discontinued
Redemption Penalties: N/A - Program discontinued
Benefits & Protections (Detailed) 13 Total
PENDINGConvenience 1
Digital Wallets
Compatibility with Apple Pay, Google Pay, Samsung PayMake purchases quickly and securely with Apple Pay®, Google Pay™ and Samsung Pay.
Financial 1
No Annual Fee
$0 annual feeEnjoy all the benefits of your card with no annual fee.
Financial Management 1
Complimentary FICO® Score Access
Free FICO® ScoreAccess your FICO® Score for free, helping you monitor your credit health.
Rewards Earning 3
Accelerated Earning at Diamond Resorts & Hilton Grand Vacations
5X pointsEarn 5X points on eligible purchases made at participating Diamond Resorts and Hilton Grand Vacations properties.
Accelerated Earning on Dining
2X pointsEarn 2X points on eligible purchases at restaurants.
Standard Earning on All Other Purchases
1X pointEarn 1X point on all other eligible purchases.
Rewards Redemption 3
Redeem for Stays at Diamond Resorts & Hilton Grand Vacations
Points for staysRedeem points for stays at participating Diamond Resorts and Hilton Grand Vacations properties.
Redeem for Statement Credits
Points for statement creditsRedeem points for statement credits.
Redeem for Gift Cards
Points for gift cardsRedeem points for gift cards.
Security 2
Fraud Liability Protection
$0 fraud liabilityYou're protected from unauthorized charges with $0 fraud liability.
Identity Theft Protection
Identity theft resolution servicesProvides assistance with identity theft resolution services, including credit bureau notification and help replacing lost or stolen documents.
Travel Assistance 2
Travel and Emergency Assistance Services
Assistance services (cost of services extra)Connects you with the help you need when you're away from home. You are responsible for the cost of any services received.
Mastercard Global Service™
Emergency card services worldwideGet emergency assistance virtually anytime, anywhere and in any language. Mastercard Global Service helps you with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING25,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Bonus points will be applied to your account 6-8 weeks after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Diamond Resorts World Mastercard from Barclays is projected to maintain its standard application and bonus eligibility requirements. Applicants must generally possess excellent credit (typically FICO score 740+), have a stable income, and be a U.S. resident aged 18 or older with a valid SSN/ITIN. Barclays is known to be highly sensitive to recent credit activity; applicants who have opened more than 6 credit cards across all issuers in the past 24 months (often referred to as the '6/24 rule' in the context of general credit card applications) are likely to be declined. Furthermore, Barclays evaluates total credit exposure with them and other lenders. The typical sign-up bonus, such as a points bonus or free night certificates, will require meeting a specified minimum spending threshold within the initial months of account opening.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Barclays does not typically enforce a direct 'card family' or 'once-per-lifetime' bonus rule like some other issuers. Instead, their application decisions are heavily influenced by an applicant's overall credit profile, recent credit inquiries, and total credit exposure, particularly with Barclays. While there isn't a specific 'cliff' for bonus eligibility across card families, approvals for new Barclays cards become significantly more difficult if an applicant has opened multiple cards recently (especially Barclays cards) or has a high cumulative credit limit with the issuer. This sensitivity acts as a de facto 'cliff' for new approvals rather than bonus eligibility.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards for Diamond Resorts loyalists, good bonus points, no foreign transaction fees, useful for travel and dining.
Top Negative:
Rewards are primarily tied to Diamond Resorts, less valuable for general spending, potentially high APR.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- AAdvantage Aviator Red World Elite Mastercard
Card Value Score: 75.0 / 100
Est. Annual Rewards: $680.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0