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Mastercard Titanium Card

Written by Oct. 5, 2022 Oct. 5, 2022

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Snapshot

2.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon on Luxury Card's secure site

Mastercard® Titanium Card&trade

Rewards rate 2% Value for Airfare Redemptions 1% Value for Cash Back Redemptions Earn one point for every one dollar spent. Annual fee Intro offer Intro offer is not available to this Luxury Card credit card Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Mastercard® Titanium Card&trade Overview

This metal card may look good when you plonk it down to pay the bill, but it's vastly inferior to other rewards cards that offer more value for the price. And the price on the Mastercard Titanium Card is mighty steep. For $195 a year ($95 for each Authorized User), you'll pay for a card that fails to deliver more than you can get with some rewards cards that charge no annual fee. There isn't even a sign-up bonus, which is pretty much a given for a card trying to play in the luxury space.

What are the pros and cons

Pros

Points double in value when redeemed for airfare through the MyLuxuryCard.com travel portal. So, you can redeem 50,000 points for a $1,000 airline ticket. Get a subscription to the quarterly Luxury Magazine, exclusively for Mastercard Luxury cardholders. There are no foreign transaction fees.

Cons

No airport lounge access, a perk that comes with many other premium cards. No introductory purchase APR offer or sign-up bonus with this card. Most of the perks offered with this card can be found on other cards with lower or no annual fees.

A deeper look at the current card offer

Quick highlights

Rewards rate: 2% value for airfare redemption and 1% value for cash back redemptions earn one point for every one dollar spent Welcome offer: N/A Annual fee: $195 ($95 for each additional authorized user added to the account) Purchase intro APR: None Balance transfer intro APR: 0% APR for the first 15 billing cycles for transfer made within 45 days of opening account, Regular APR: 17.99% variable If a plain old plastic credit card isn't good enough for you, you might be tempted by the Mastercard Titanium. Made of carbon and brushed stainless steel, it could be good for anyone who wants impress when it's time to pay the bill.

Rewards rate

The Titanium card is the most affordable option in the Luxury Card brand issued by Barclaycard. For a $195 annual fee, you'll earn 1 point for every $1 spent. Airfare redemptions are worth 2% per $1 spent when you use the Luxury Card travel portal. You'll also gain access to a luxury concierge who can help you avoid the drudgery of booking your own private yacht or jet. The card comes with the enviable perk of 24-hour access to a dedicated concierge team that claims will fulfill any request - big or small. The service can reserve for you a chauffeured limousine, arrange for global luggage delivery, or take care of booking your travel plans. You'll also receive free upgrades, services and amenities at participating cruise lines and hotels, as well as travel, luggage and auto rental protections. And, it's got a decent introductory balance transfer offer of 0% interest for the first 15 billing cycles if you shift your debt to this card within 45 days of opening the account. After that it's a variable 17.99% APR.

Other cardholder perks

This card offers benefits like upgrades or a food-and-beverage credit at participating hotels, resorts and cruise lines. You can also have the Luxury Card concierge handle your requests, although an additional fee will apply and will vary based on the task. Cardholders may also bid on Mastercard's Priceless events, which are unique once-in-a-lifetime experiences such as cooking classes with a Michelin-starred chef or VIP concert access. To redeem points for airfare, hotel or car rentals, log in to your account at myluxurycard.com or by calling the customer service number on your card. Points are redeemed at a 2% percent rate for airfare and a 1% rate for hotels and car rentals. Travel redemptions can be made with a combination of points and purchase via credit card. There is no fee to use your points, but there is a $35 charge to make any changes to your reservation.

Rates and fees

This card charges a $195 annual fee. There's a 0% APR offer for 15 billing cycles on balance transfers made within the first 45 days of opening the account. After that it's a variable 17.99% APR. The purchase APR on this card is a variable 17.99%.

How the Mastercard Titanium Card compares to other flat-rate luxury cards

But for a card that bills itself as a luxury card, the Titanium falls short of other premium cards that offer more bang for the buck, and at a better price, too. There are plenty of cards out there that, for less than the Titanium's $195 price tag, will pile on the perks and give greater rewards. If have your heart set on getting a fancy card, go for the $495 or the $995 - each with increasingly upscale perks and benefits.

Mastercard® Titanium Card&trade

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Luxury Card's secure site Annual fee Intro offer Intro offer is not available to this Luxury Card credit card Rewards rate 2% Value for Airfare Redemptions 1% Value for Cash Back Redemptions Earn one point for every one dollar spent. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Chase Sapphire Preferred® Card

on Chase's secure site Annual fee Intro offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards. Rewards rate 5x on travel purchased through Chase Ultimate Rewards 3x on dining. 2x on all other travel purchases, plus more. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One Venture X Rewards Credit Card

on Capital One's secure site Annual fee Intro offer Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel Rewards rate Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bankrate s Take-Is the Mastercard Titanium Card worth it

If you aspire to own a Black or Gold-branded Mastercard or another luxury card, but don't want to pay the price, this card might give you enough to keep you happy. But it really shouldn't. Terms and conditions apply

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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.