Luxury Card™ Mastercard® Titanium Card™ review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% (Variable)
Balance Transfer
16.74% (Variable) (0% for the first 15 months)
Rewards
1 point
Signup Bonus
-


7.3/10
Informr score
The Luxury Card™ Mastercard® Titanium Card™ currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

What's good

  • Brushed Stainless Steel – Patented Card Design
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • 0% balance transfer APR for 15 months
  • No foreign transaction fee

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...


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.

- Kelly Dilworth, CreditCards.com
Cardcruncher

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,...

- Cardcruncher
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, failes to justify its $195 annual fee. Frequent jetsetters should consider upgrading...

- Kailey Fralick, Cardcruncher
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 system...

- Joe Resendiz, ValuePenguin
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

Details


Interest Rates
Regular APR Interest Rate 16.74% (Variable)

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

Balance Transfer Interest Rate 16.74% (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 26.99% (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 $37.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Double Points when Redeemed for Airfare
  • Redeem at 1.5% Value for Cash Back
  • Members-Only Luxury Magazine
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 Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Additional Benefits
  • Baggage Delay Insurance
  • Return Protection
  • Trip Cancellation and Interruption
  • VIP Airport Lounge Access with Priority Pass Select
  • Exclusive Luxury Card Travel Benefits
  • Enjoy amenities such as room upgrades, complimentary food and beverage, spa credits and more when you book with Luxury Card Travel.
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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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Critic Reviews


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

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, failes to justify its $195 annual fee. Frequent jetsetters should consider upg...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, failes 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

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

Money Crashers

Comes with a nice lineup of travel benefits

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

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

Credit Card Insider

The rewards program and benefits are mediocre

from Credit Card Insider

This card offers doesn’t offer a whole lot for the annual fee, especially when it comes to rewards. You can get similar or better rewards value from less expensive cards.

Read full review

This card offers doesn’t offer a whole lot for the annual fee, especially when it comes to rewards. You can get similar or better rewards value from less expensive cards.

Read full review

Less

Finder

Offers industry-leading rewards

The Luxury Card Mastercard® Titanium Card™ is for the world traveler. As a cardholder, you can rake in double rewards points when you redeem them for airfare and enjoy a 0% intro APR for balance transfers.

Read full review

The Luxury Card Mastercard® Titanium Card™ is for the world traveler. As a cardholder, you can rake in double rewards points when you redeem them for airfare and enjoy a 0% intro APR for balance transfers.

Read full review

Less

Bankrate

For a card that bills itself as a luxury card, the this falls short

from Bankrate

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.

Read full review

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.

Read full review

Less

AskSebby

It seems like they’re more focused on style over substance

When I think about industry leading rewards, lounge access, hotel status, and airline upgrades come to mind. Unfortunately, this is not the case. “Industry leading rewards” means earning 1% on all purchases and redeeming for 2x on travel.

Read full review

When I think about industry leading rewards, lounge access, hotel status, and airline upgrades come to mind. Unfortunately, this is not the case. “Industry leading rewards” means earning 1% on all purchases and redeeming for 2x on travel.

Read full review

Less

User Reviews


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