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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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Mastercard® Titanium Card™
SIGN-UP BONUS
None
REWARDS RATE
2% Value for Airfare Redemptions. 1% Value for Cash Back Redemptions. Terms and Conditions Apply.
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 20.24% to 28.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Rewards Rate
2% Value for Airfare Redemptions. 1% Value for Cash Back Redemptions. Terms and Conditions Apply.
Extra Perks
Exclusive Luxury Card Travel® benefits—average value of $500 per stay at over 3,000 properties.
Annual Fee
$195 ($95 for each Authorized User added to the account)
Card Brand
Mastercard®
Recommended Credit Score
ExcellentHighlights
- Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardmembers also receive protection benefits that exceed those of standard credit cards.
- Offers a 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. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize 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.
- 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
Foreign Transaction Fee
0% of each transaction in U.S. dollars.
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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 May 01, 2025
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.
Cardmembers can redeem points for 2% Value for Airfare Redemptions. 1% Value for Cash Back Redemptions. Terms and Conditions Apply.
This hefty stainless steel card is brimming with benefits including 24/7 Luxury card concierge service and features that may include complimentary room upgrades and welcome amenities at properties in the Luxury Card Travel program. Cardmembers 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. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 20.24% to 28.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 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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