Mastercard® Titanium Card™
Mastercard® Titanium Card™ Review
This card offers a solid rewards rate for airfare redemption. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. There are no foreign transaction fees, which can save you up to 3% when you travel abroad. You will need excellent credit to qualify.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Mastercard® Titanium Card™
SIGN-UP BONUS
None
REWARDS RATE
2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
Balance Transfer Intro Rate
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
Rewards Rate
2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
Extra Perks
2% value for airfare redemptions with no blackout dates or seat restrictions.
Annual Fee
$195 ($95 for each Authorized User added to the account)
Card Brand
Mastercard®
Recommended Credit Score
ExcellentHighlights
- Ideal for those seeking an introductory premium travel card that provides exceptional airfare redemption, access to hotel privileges and elevated service beyond the ordinary. Find peace of mind with protection benefits that exceeds standard credit cards.
- Flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
- 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Members-only LUXURY MAGAZINE®.
- Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
- Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.
Additional Info
0% of each transaction in U.S. dollars.
Either $5 or 5% of the amount of each transfer, whichever is greater.
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Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 27, 2024
If you are looking for a premium status card, the Mastercard® Titanium Card™ could be a good choice. This card has the lowest annual fee of the three Luxury Cards, which are issued by Barclays Bank.
Cardholders can redeem points for 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
This hefty stainless steel card is brimming with benefits including 24/7 Luxury card concierge service and features that may include complimentary food and beverages, room upgrades, resort or spa credits and welcome amenities at properties in the Luxury Card Travel program. Cardholders also get cell phone protection and Lyft credits.
If you have high interest debt, take advantage of the lengthy 0% intro APR on balance transfers. This card offers 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. Not all travel cards offer 0% intro APR on balance transfers, so this is a welcome feature for anyone carrying a balance month to month.
The annual fee is $195 ($95 for each Authorized User added to the account). Terms and conditions apply.
The Good
- Luxury benefits. Flexible redemption for travel on any airline with no blackout dates.
The Not So Good
- No sign-up bonus.
The Bottom Line
This card offers a solid rewards rate for airfare redemption. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. There are no foreign transaction fees, which can save you up to 3% when you travel abroad. You will need excellent credit to qualify.
Editorial Note: This content is not provided by Luxury Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Luxury Card.
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