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Mastercard® Titanium Card™

 /  3 min
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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Snapshot

2.4

Bankrate rating
Info
Rating: 2.4 stars out of 5
Image of Mastercard® Titanium Card™
Apply now Lock
On Luxury Card's secure site

Rewards rate

1% - 2%
Info

Annual fee

$195 ($95 for each Authorized User added to the account)

Intro offer

N/A
Info

Regular APR

19.24% Variable

Recommended Credit Score

Excellent (740 – 850)
Info

Mastercard® Titanium Card™ 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

  • Checkmark

    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.

  • Checkmark

    Get a subscription to the quarterly Luxury Magazine, exclusively for Mastercard Luxury cardholders.

  • Checkmark

    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: 19.24% 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 19.24% 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 19.24% APR.
  • The purchase APR on this card is a variable 19.24%.

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 Mastercard® Black Card™ or the $995 Mastercard® Gold Card™ — each with increasingly upscale perks and benefits.

Image of Mastercard® Titanium Card™
Bankrate Score
Apply now Lock
On Luxury Card's secure site

Annual fee

$195 ($95 for each Authorized User added to the account)

Intro offer

N/A

Rewards rate

1% - 2%
Info

Recommended Credit Score

Excellent (740 – 850)
Info
Image of Chase Sapphire Preferred® Card
Bankrate Score
Apply now Lock
On Chase's secure site

Annual fee

$95

Intro offer

60,000 points
Info

Rewards rate

2x - 5x
Info

Recommended Credit Score

Good to Excellent (670 – 850)
Info
Image of Capital One Venture X Rewards Credit Card
Bankrate Score
Apply now Lock
On Capital One's secure site

Annual fee

$395

Intro offer

75,000 miles
Info

Rewards rate

2X - 10X
Info

Recommended Credit Score

Excellent (740 – 850)
Info

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

* 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.