Mastercard® Titanium Card™
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Snapshot
2.4
Balance transfer intro APR
0% intro APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, the APR will be 20.49% to 28.49%, based on your creditworthiness. There is a fee for balance transfers.
Regular APR
20.49% to 28.49%
Rewards rate
1% - 2%
Annual fee
$195 ($95 for each Authorized User added to the account)
2.4
Bankrate score
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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?
Pros
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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.
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Get a subscription to the quarterly Luxury Magazine, exclusively for Mastercard Luxury cardholders.
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There are no foreign transaction fees.
Cons
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No airport lounge access, a perk that comes with many other premium cards.
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No introductory purchase APR offer or sign-up bonus with this card.
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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: 20.74% to 28.74% 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.
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, 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 20.74% to 28.74% APR.
Other cardholder perks
This card offers benefits like upgrades, concierge service and protections. Here’s an overview of everything you can get with the Mastercard Titanium.
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 20.74% to 28.74%.
- The purchase APR on this card is a variable 20.74% to 28.74%.
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.
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.
Annual fee
Intro offer
Rewards rate
2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Flat-rate redemption value of 1% for cash back. Earn one point for every one dollar spent.
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.
Annual fee
Intro offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards rate
5x on travel purchased through Chase Travel℠. 3x on dining, select streaming services and online groceries. 2x on all other travel purchases. 1x on all other purchases.
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.
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
10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.
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.
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.
