I am an Aeroplan Elite member (automatic lounge access) who flies within North American, but rarely overseas.

The main disadvantage for me is the lack of vendors in North America who are affiliated to Diners, compared to Visa/Mastercard, and even AMEX.Travel insurance for me is covered through work (both for work, and for pleasure, both for myself, and for my family). Although I would prefer more than a 17 day grace period, that is not a major drawback to this card.

PS-Is Diner's much more heavily used in Europe/Asia than in North America - how does its acceptance by vendors compare with the other 3 cards mentioned above?

PPS-What do you think about the CIBC Aerogold Card, compared to the Royal Bank Avion Gold card, and compared to its predecessor, the Royal Bank Canadian Plus Gold card?