Luxury Card™ Mastercard® Titanium Card™ review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% (Variable)
Balance Transfer
14.99% (Variable) (0% for the first 15 months)
Rewards
1 point
Signup Bonus
-


7.5/10
Informr score
The Luxury Card™ Mastercard® Titanium Card™ currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

What's good

  • Patented brushed stainless steel front and carbon back—weighing 22 grams
  • 2% value for airfare redemptions with no blackout dates or seat restrictions
  • 1% value for cash back redemptions
  • 24/7 Luxury Card Concierge®
  • Exclusive Luxury Card Travel® benefits
  • Members-only LUXURY MAGAZINE®
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more

What's bad

  • Annual Fee
  • No signup bonus
  • Low rewards rate

Am I eligible?


Luxury Card™ Mastercard® Titanium Card™ is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Card Insider

The main value of the Mastercard® Titanium Card™ comes from its benefits. You could save quite a bit of money, depending on how much you utilize the VIP Hotel & Travel benefit. The rewards, in relation to the price, could definitely be better. While this is a heavy, metal card, there are other t...

- Brendan Harkness, Credit Card Insider
Investopedia

If you plan to use the ample benefits the Mastercard Titanium card offers regularly, and you redeem your rewards points solely for airfare, you might be able to justify this card’s $195 annual fee. Otherwise, you could probably net more value from a card with no annual fee that offers 1.5% cash back...

- Lance Cothern, Investopedia
Money Crashers

The Mastercard® Titanium Card™ is tailored to seasoned, frequent travelers who take ample advantage of its considerable lineup of VIP travel benefits and other perks. It’s also great for travelers who fly often, as the inflated point values on airfare redemptions help offset the unremarkable earning...

- Brian Martucci, Money Crashers
Cardcruncher

The MasterCard® Titanium Card™ sits in an odd place between more affordable travel credit cards with fewer perks, and more expensive cards with premium travel benefits. It straddles the two tiers, but in doing so, fails to justify its $195 annual fee. Frequent jetsetters should consider upgrading to...

- Kailey Fralick, Cardcruncher
MoneyUnder30

The Luxury Card™ Mastercard® Titanium Card™ provides a luxury travel experience including a personal concierge service and 2% back on all airline redemptions. However, you’ll need to pay a steep annual fee to earn these perks.

- Sarah Sharkey, MoneyUnder30

Details


Interest Rates
Regular APR Interest Rate 14.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 45 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $195.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1 point per $1 spent

Terms and conditions apply.

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
Features & Benefits
Additional Card Holders Yes

$95 for each Authorized User added to the account

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Virtual Cards No
Additional Benefits
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Luxury Gift Program
  • Members-Only Luxury Magazine
  • Luxury Card Experiences®
  • Luxury Card App
  • Fulfillment Kit
  • Create a Boxed account and use your Luxury Card World Elite Mastercard to earn 5% cash rewards on eligible Boxed orders for use on future purchases.
  • Get $10 Lyft credit when you enroll and take 5 eligible rides in a month.
  • Receive free 2-day shipping and free return shipping on eligible purchases when you sign up for a complimentary ShopRunner membership
  • Get rewarded even faster on eligible purchases when you join Fandango VIP. Earn double the points for the tickets you buy with your Luxury Card World Elite Mastercard, 250 points per ticket. Rack up 500 points and earn a $5 VIP + reward.
  • Receive $5 off eligible orders of $25 or more with Postmates
  • 10% discount on eligible onefinestay bookings.
  • Mastercard ID Theft Protection™
  • Cellular Telephone Protection
  • Baggage Delay Insurance
  • Trip Cancellation and Interruption
  • Mastercard® Priceless®
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Critic Reviews


Credit Card Insider

Provides a host of benefits geared toward the frequent traveler

from Credit Card Insider

The main value of the Mastercard® Titanium Card™ comes from its benefits. You could save quite a bit of money, depending on how much you utilize the VIP Hotel & Travel benefit. The rewards, in relation to the price, could definitely be better. While this is a heavy, metal card, there are...More

The main value of the Mastercard® Titanium Card™ comes from its benefits. You could save quite a bit of money, depending on how much you utilize the VIP Hotel & Travel benefit. The rewards, in relation to the price, could definitely be better. While this is a heavy, metal card, there are other travel cards like it with more useful benefits.

Read full review

Less

Investopedia

For travelers who seek a full range of benefits and credits in a single card

from Investopedia

If you plan to use the ample benefits the Mastercard Titanium card offers regularly, and you redeem your rewards points solely for airfare, you might be able to justify this card’s $195 annual fee. Otherwise, you could probably net more value from a card with no annual fee that offers 1.5% cash...More

If you plan to use the ample benefits the Mastercard Titanium card offers regularly, and you redeem your rewards points solely for airfare, you might be able to justify this card’s $195 annual fee. Otherwise, you could probably net more value from a card with no annual fee that offers 1.5% cash back on all spending, or get similar travel benefits from other premium travel cards that have significantly lower annual fees.

Read full review

Less

Money Crashers

Great for frequent travelers who spend heavily enough

from Money Crashers

The Mastercard® Titanium Card™ is tailored to seasoned, frequent travelers who take ample advantage of its considerable lineup of VIP travel benefits and other perks. It’s also great for travelers who fly often, as the inflated point values on airfare redemptions help offset the unremarkable earning rate of 1 point per $1 spent.

Read full review

The Mastercard® Titanium Card™ is tailored to seasoned, frequent travelers who take ample advantage of its considerable lineup of VIP travel benefits and other perks. It’s also great for travelers who fly often, as the inflated point values on airfare redemptions help offset the unremarkable earning rate of 1 point per $1 spent.

Read full review

Less

Cardcruncher

A premium annual fee without premium travel perks

from Cardcruncher

The MasterCard® Titanium Card™ sits in an odd place between more affordable travel credit cards with fewer perks, and more expensive cards with premium travel benefits. It straddles the two tiers, but in doing so, fails to justify its $195 annual fee. Frequent jetsetters should consider upgrad...More

The MasterCard® Titanium Card™ sits in an odd place between more affordable travel credit cards with fewer perks, and more expensive cards with premium travel benefits. It straddles the two tiers, but in doing so, fails to justify its $195 annual fee. Frequent jetsetters should consider upgrading to the MasterCard® Black Card™, while those who travel once or twice per year should simply look for a more affordable travel rewards card.

Read full review

Less

MoneyUnder30

Offers a premium travel experience to cardholders

from MoneyUnder30

The Luxury Card™ Mastercard® Titanium Card™ provides a luxury travel experience including a personal concierge service and 2% back on all airline redemptions. However, you’ll need to pay a steep annual fee to earn these perks.

Read full review

The Luxury Card™ Mastercard® Titanium Card™ provides a luxury travel experience including a personal concierge service and 2% back on all airline redemptions. However, you’ll need to pay a steep annual fee to earn these perks.

Read full review

Less

FinanceBuzz

A luxury look with travel protections

from FinanceBuzz

Cardholders who prefer a flat reward rate will appreciate the simplicity of the Mastercard® Titanium Card™ rewards program. Cardholders earn a straightforward 1X point per dollar spent on all purchases. Redeeming your points is easy, too. Flights booked through its rewards platform receive do...More

Cardholders who prefer a flat reward rate will appreciate the simplicity of the Mastercard® Titanium Card™ rewards program. Cardholders earn a straightforward 1X point per dollar spent on all purchases. Redeeming your points is easy, too. Flights booked through its rewards platform receive double the redemption rate on airfare purchases, which makes this card a solid option for frequent airline travelers.

Read full review

Less

CreditCards.com

Has more in common with cheaper, mid-tier rewards cards

from CreditCards.com

The most affordable option in Mastercard’s line of luxury credit cards, the Mastercard Titanium Card offers a decent rewards rate and some interesting perks; but you can get a similar amount of value from cheaper cards.

Read full review

The most affordable option in Mastercard’s line of luxury credit cards, the Mastercard Titanium Card offers a decent rewards rate and some interesting perks; but you can get a similar amount of value from cheaper cards.

Read full review

Less

Cardcruncher

Nice travel perks

It is the most affordable of Mastercard’s Luxury Cards. The Mastercard Titanium Card finds itself in an awkward place. It’s difficult to justify a high annual fee unless you travel often, but if you do travel frequently, you’ll get better value from the Mastercard Black Card or Mastercard G...More

It is the most affordable of Mastercard’s Luxury Cards. The Mastercard Titanium Card finds itself in an awkward place. It’s difficult to justify a high annual fee unless you travel often, but if you do travel frequently, you’ll get better value from the Mastercard Black Card or Mastercard Gold Card, which both include higher cash-back redemption rates and annual airfare credits.

Read full review

Less

ValuePenguin

Phenomenal hotel and travel perks

from ValuePenguin

The Mastercard Titanium Card offers a range of exclusive and noteworthy travel perks, no foreign transaction fee and more security. While these are great features, they are diminished by the high annual fee, lack of loyalty or sign-up bonus, and especially by an inefficient cash-back rewards syst...More

The Mastercard Titanium Card offers a range of exclusive and noteworthy travel perks, no foreign transaction fee and more security. While these are great features, they are diminished by the high annual fee, lack of loyalty or sign-up bonus, and especially by an inefficient cash-back rewards system that constrains individuals to redeeming their points for airfare.

Read full review

Less

CardRatings.com

For frequent travelers who are heavy credit card users

from CardRatings.com

If you'll put the points to good use – particularly in enjoying that extra value by redeeming for airfare – the Mastercard® Titanium Card™ is a worthwhile option to consider. Plus, if you're someone who wants to be treated like a VIP when you travel, this card will help you get there.

Read full review

If you'll put the points to good use – particularly in enjoying that extra value by redeeming for airfare – the Mastercard® Titanium Card™ is a worthwhile option to consider. Plus, if you're someone who wants to be treated like a VIP when you travel, this card will help you get there.

Read full review

Less

User Reviews


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