A few years ago Diners Club went from being literally a Diners Club card that was accepted mainly at hotels/airlines/car rental/better restaurants to instead being a Diners Club MasterCard with pretty much universal acceptance. In the past several years they've also severed ties with several airline partners (UA, CO, NW among others) and started charging a small fee when making Club Rewards redemptions (95 cents per 1K points). Due to these changes many FTers now virtually turn and spit upon hearing the Diners Club name being mentioned, however after 15+ years as a cardholder I'm still a huge fan.

Concerning the $95 annual fee - for the past 14 years upon card renewal/annual fee time I've always called and spoken to their retention department. Every single time I've been offered and accepted points - from as low as 5K to as many as 10K - to renew. Since I've always valued DC points at over 2 cents each (and still do) at worst I've broken even and some years I've turned a profit by renewing.