Mastercard® Titanium Card™
Mastercard® Titanium Card™
On Barclays' Secure Website
Mastercard® Titanium Card™
Mastercard® Titanium Card™
On Barclays' Secure Website

Mastercard® Titanium Card™ Review: Is This a Good Card?

Mastercard® Titanium Card™ Review

The Mastercard® Titanium Card™ is intended to be used primarily for luxury travel, with perks befitting a premium credit card. However, other premium travel cards may offer consumers more value.

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Editor's Rating

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Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Quick facts:

  • Metal card made of stainless steel
  • Sign-up bonus: None
  • Rewards: 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.
  • Annual fee: $195 ($95 for each Authorized User added to the account)
  • Intro APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • Regular APR: 14.99% variable
  • Foreign transaction fee: 0% of each transaction in U.S. dollars.
  • 24/7 Luxury Card concierge
  • Significant luxury travel perks and credits

Pros

  • Flashy metal card made of stainless steel
  • Good airfare redemption rate
  • Unique luxury travel perks
  • 24/7 Luxury Card concierge
  • No foreign transaction fee
  • Wide acceptance globally
  • Wide range of insurance and protections offered
  • Access to Mastercard Special Offers
  • Great intro APR offer on balance transfers

Cons

  • High annual fee (though relatively low compared to other premium cards)
  • Low overall rewards rate
  • No sign-up bonus
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Mastercard® Titanium Card™

On Barclays' Secure Website

$195 ($95 for each Authorized User added to the account)

14.99%

Excellent/Very 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. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Is the Mastercard® Titanium Card™ worth it?

Many consumers may find that the Mastercard® Titanium Card™ is not worth its annual fee of $195 ($95 for each Authorized User added to the account). Other premium cards offer more value and come with similar perks. It can be a decent option for consumers with excellent credit who are interested in the luxury travel perks that come with the card; however, you will have to overlook its lackluster rewards, high annual fee and lack of a sign-up bonus.

This is a flashy, heavy metal card that can appeal to those looking for a premium travel card. Though it offers a host of fabulous luxury travel benefits, other premium cards (such as The Platinum Card® from American Express, for example) have comparable benefits and offer more rewards.

Who is the Mastercard® Titanium Card™ best for?

The Mastercard® Titanium Card™ works best for those who don't mind sacrificing higher rewards rates in favor of luxury travel experiences and a fancy-looking card. This card is a great option for consumers looking for a heavy premium card — an obvious status symbol — though it does have a relatively low annual fee.

For those looking for all the benefits of a Mastercard® Titanium Card™, like private jet access, 24/7 concierge service, unique luxury experiences and more, this card could be a solid option. For consumers looking for a more practical day-to-day card that also offers luxury benefits, premium cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express may be better options.

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Earn 1 point on every purchase

The Mastercard® Titanium Card™ offers a relatively low earning rate compared to other luxury credit cards: 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.

Its cashback redemption rate is standard among competing premium cards, though its redemption rate for airfare (2 cents per point) seems to surpass the competition. However, other cards like the Chase Sapphire Preferred® Card and American Express® Gold Card offer higher rewards rates because their points are more valuable. These cards are part of rewards programs that allow cardholders to transfer their points to airline and hotel partners for greater value.

The Capital One Venture Rewards Credit Card has the same the same 2% rewards rate as the Mastercard® Titanium Card™ but charges an annual fee of $95, less than half the Mastercard® Titanium Card™’s annual fee.

Rewards earned per $1 spent

$0.044
American Express® Gold Card
$0.03
Chase Sapphire Reserve®
$0.03
American Express® Green Card
$0.025
Chase Sapphire Preferred® Card
$0.023
The Platinum Card® from American Express
$0.02
Capital One Venture Rewards Credit Card
$0.02
Mastercard® Titanium Card™

Get 2% on airfare redemptions

As mentioned above, one of the redeeming qualities of the Mastercard® Titanium Card™ is its redemption rate for airfare. The card gives you 2 cents for each point you redeem for airfare with no blackout dates or restrictions. Cardholders also have the option to redeem points for cashback at a value of 1 cent each, but you’re better off reserving your points for travel, which offers more value.

This card's returns on airfare beat out the competition for those who plan to redeem points directly through the credit card portal:

However, the above cards also allow you to transfer points to a variety of airline and hotel loyalty programs. You can get far better redemption values this way (around 2 cents per point by our estimates, and possibly even higher). If you’re up to the challenge of transferring points, any of the cards above could be a better deal than the Mastercard® Titanium Card™.

Intro APR offer on balance transfers

A fantastic perk of the Mastercard® Titanium Card™ is its intro APR offer on balance transfers: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), your APR will be 14.99% variable.

This is a nice benefit for those who are carrying a balance on another card and hope to maximize their use of the Mastercard® Titanium Card™.

Luxury travel perks

The greatest strength of the Mastercard® Titanium Card™ is its VIP travel benefits. These luxury travel perks are what set this card apart from other premium credit cards on the market.

  • 24/7 Luxury Card Concierge: You'll get access to top quality customer service, which extends beyond travel assistance. Concierge specialists are available 24/7 and help fulfill requests for anything from arranging extravagant travel itineraries to searching for tickets to sold-out events.
  • No foreign transaction fees: An essential benefit for any travel card, the Mastercard® Titanium Card™ doesn’t charge foreign transaction fees. This will save cardholders from paying an additional fee on all purchases made abroad.
  • Luxury Card Experiences: You'll get access to specially curated events across a variety of categories, including culinary and wine, activity and adventure, sports and entertainment, family, arts and culture and specialty travel.
  • Off the beaten path itineraries: You'll have access to off-the-beaten-path itineraries spanning a multitude of destinations.
  • Airport meet and assist: The convenience of this benefit cannot be understated for frequent travelers. A professional representative will meet you at the airport and expedite all airport procedures, saving you time and headaches at your destination.
  • TCS World Travel: Cardmembers will have access to TCS World Travel luxury private jets. For guests who spend a minimum of $35,000 per person, you will receive a $1,000 gift card on any journey that departs in 2021.
  • Porsche Experience centers: At locations in Atlanta and Los Angeles, cardmembers can enjoy exclusive perks and personalized coaching when booking a 90-minute Porsche test driving experience.
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Other benefits of the Mastercard® Titanium Card™

Another major win for the Mastercard® Titanium Card™ is the suite of travel insurance and protection coverages that come with it.

With baggage delay insurance, you can be reimbursed for up to $100 per day for covered items, with a maximum of three qualifying days. You can also be reimbursed for baggage delays of more than four hours after arrival.

Travel accident insurance can cover you at no additional cost for up to $250,000 for eligible common carrier accidental death and dismemberment, provided you charge your entire trip to your card.

You can get secondary coverage for covered damages to your rental car provided you paid using your card and declined the rental agency coverage. (Note, competing cards like the Chase Sapphire Preferred® Card offer primary rental car coverage — coverage that applies ahead of other rental car policies.)

In the case of lost and stolen card reporting, emergency cash advance or emergency card replacement, you can receive 24/7 customer service assistance.

You can receive secondary coverage for a covered, non-refundable roundtrip purchase provided you paid using your card. You can be reimbursed for up to $5,000 per insured person if accidental events result in a canceled or interrupted trip for a covered reason.

Master Trip Travel Assistance, Medical Assistance and Master Legal Referral Service is available 24/7 for cardholders traveling 50 or more miles from home.

Cardholders will receive special promotions with a number of travel and shopping services (which can be amended or canceled at any time without notice), including DoorDash, HelloFresh, ShopRunner, Fandango and Lyft.

Your card will grant you access to a number of exclusive experiences and opportunities.

  • Mastercard Priceless Cities – Offers unique and exclusive events and opportunities in cities throughout the world.
  • Priceless Golf – Offers unique golf experiences with the PGA Tour. You can meet Mastercard Golf Ambassadors, get Priceless tips from golf professionals, explore the Tournament Players Club (TPC) private club courses, get exclusive access alongside the pros or attend an official Pro-Am event.
  • Priceless Surprises – Spontaneous luxury surprises that can happen to anyone, anywhere, at any time.

Drawbacks

  • No sign-up bonus. Unfortunately, the Mastercard® Titanium Card™ lacks a sign-up bonus — which, when paired with a lackluster earning rate, can make it challenging for cardholders to secure enough points to earn valuable rewards.
  • Low earning rate. The Mastercard® Titanium Card™ only offers 1 point per dollar on all purchases, which isn't too impressive compared to other premium cards. Additionally, cardholders will only get substantial value by redeeming their rewards for airfare, which comes at a 2% redemption rate, while cash back only offers a 1% redemption rate. These redemption options can be limiting, especially compared to cards that offer more flexible options like the Chase Sapphire Reserve®, which gives cardholders access to the esteemed Chase Ultimate Rewards® program.

Alternatives to the Mastercard® Titanium Card™

The Mastercard® Titanium Card™'s greatest weakness is its low earning rate, inflexible redemption options and lack of a sign-up bonus. Below are three alternative premium cards that could offer consumers more value on the whole.

Mastercard® Titanium Card™ vs. The Platinum Card® from American Express

Verdict: Despite an exorbitant annual fee, its the superior option for valuable rewards and luxury travel perks

See Rates & Fees. Terms Apply. On American Express' Secure Website

For those that were attracted to the Mastercard® Titanium Card™ for its luxury perks, The Platinum Card® from American Express is a superior alternative. Although The Platinum Card® from American Express has a high annual fee of $695, it offers use of Amex Centurion lounges, Gold status in Hilton and Marriott hotels (enrollment required), the Global Assist Hotline, Platinum Travel Service, a host of travel-related credits and much more.

With this card, you'll also earn Membership Rewards points, which can be flexibly redeemed for a number of valuable options. With a solid earning rate on top of an enormous welcome offer, The Platinum Card® from American Express is the clear winner over the Mastercard® Titanium Card™.

For rates and fees of The Platinum Card® from American Express, please click here.

Mastercard® Titanium Card™ vs. Chase Sapphire Reserve®

Verdict: A more functional card with a more valuable rewards program

On Chase's Secure Website

The Chase Sapphire Reserve® consistently ranks as one of the top premium credit cards available. Whereas the Mastercard® Titanium Card™ offers 2% value for airfare and 1% value for other cash-back rewards, the Chase Sapphire Reserve® gives you 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases.

The Chase Sapphire Reserve® beats the Mastercard® Titanium Card™ on the redemption side. Rewards are extremely flexible: You can transfer them to over 10 travel partners, redeem them for travel through the Ultimate Rewards travel portal at a value of 1.5 cents each or redeem them for cash back for 1 cent per point.

This card also offers luxury travel benefits, including a $300 annual travel credit and airport lounge access — the only downside is its hefty annual fee of $550.

Should you apply for the Mastercard® Titanium Card™?

The Mastercard® Titanium Card™ offers a range of exclusive travel perks, noteworthy security benefits and has no foreign transaction fee. However, it also comes with a high annual fee, a subpar rewards program and lacks a sign-up bonus. If these things don't bother you and you're primarily concerned with enjoying luxury travel benefits, you should apply for the Mastercard® Titanium Card™.

However, most consumers are likely to get more value from a comparable card, like The Platinum Card® from American Express.

Mastercard® Titanium Card™ FAQs

What is a titanium credit card?

Titanium credit cards are typically premium credit cards made out of heavy metal that offer cardholders luxurious benefits. The Mastercard® Titanium Card™, for example, is renowned for its host of exclusive luxury travel perks and other titanium benefits.

Which is better, a titanium or platinum credit card?

Whether a titanium or platinum card is better will depend on the specific card in question. If you compare the Mastercard® Titanium Card™ versus The Platinum Card® from American Express, for instance, we believe The Platinum Card® from American Express comes out ahead.

How to get a titanium credit card?

In order to get a titanium credit card, you'll typically have to meet certain qualifications. For example, the Mastercard® Titanium Card™ requirements include having a credit score of Excellent/Very Good and being able to afford the annual fee of $195 ($95 for each Authorized User added to the account). If you meet these qualifications, you can apply for the card online.

For rates and fees of The Platinum Card® from American Express, please click here.

The information related to American Express® Green Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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Editor's Rating

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