Mastercard® Titanium Card™
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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?
- 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
- 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: 15.74% 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.
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 15.74% 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 15.74% APR.
- The purchase APR on this card is a variable 15.74%.
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.
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.
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