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. Earn one point for every one dollar spent
  • 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., amenities, room upgrades and complimentary food and beverages) at over 3,000 properties
  • Members-only LUXURY MAGAZINE®
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply

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

$95 for each Authorized User added to the account

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

Up to $39 (the amount of the fee varies by state, see below)

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, Google 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.
  • 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

Late Payment Fee:  Up to $39  (Up to $15 for residents of Iowa at time of account opening).

Terms & Conditions Official Terms & Conditions
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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.

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