Originally Posted by Beckles
Unless you don't plan on actually using the card every month, I would have taken the 10,000 points considering you can convert 10,000 points to $120 in cash basically (10,000 points x 1.25 cents/point credit against a charge - $5.00 fee = $120).
I'm assuming this 1.25 cents/point is using Club Reward points to pay for a purchased airline ticket on a Diners Club card. Another words, Club Reward points are worth more as airline tickets purchased then the annual fee of $95. Good thought since the type of redemption determines the value of points.