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

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.

Editor's Rating

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  • On Barclays' Secure Website
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Editor's Rating

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  • On Barclays' Secure Website
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The Mastercard® Titanium Card™ may be an ideal choice for successful individuals with a passion for traveling and desire for luxury. But beyond this niche demographic, it’s difficult to see why anyone else would pursue this card over its alternatives. The variety of travel benefits is somewhat impaired by weak cash back rewards coupled with a high annual fee.

Mastercard® Titanium Card™ Review: Our Thoughts

If you have an excellent credit rating, can afford the high sign-up cost and imagine yourself using your credit card rewards exclusively for memorable traveling experiences, then the Mastercard® Titanium Card™ could be a great fit. It offers a tremendous range of premium perks, including 24/7 concierge service. However, it offers only 2% value for airfare redemptions and 1% value for cash back redemptions. There are cards without annual fees that are able to offer 2% cash back, which should make consumers hesitate to apply for the Titanium Card.

Phenomenal Hotel and Travel Perks

The Mastercard® Titanium Card™ finds its greatest strength in VIP travel benefits. Cardholders are exposed to various luxury perks including airport meet and assist, spa credits, and airport taxi service.

There is also an increased level of security provided with this card, allowing consumers to travel with confidence. The luxury card boasts of baggage delay insurance, Mastercard ID Theft Protection, $0 fraud liability protection and price assurance. Baggage delay insurance is the guarantee that individuals will be reimbursed the cost of replacing necessary personal and business items when checked baggage on a flight purchased on a Luxury Card is delayed.

While all of these luxury hotel and travel perks are appreciated, access to the Luxury Card Concierge may be the most desirable for consumers. Concierge specialists are available 24/7 and help fulfill requests from arranging extravagant travel itineraries to searching for tickets to sold-out events.

Shortcomings of the Mastercard® Titanium Card™

Unfortunately, the Mastercard® Titanium Card™ completely lacks a sign-up or loyalty bonus, so racking up enough points to redeem them for something desirable will be a challenge. Additionally, while the card may offer one point for every dollar spent, the points will not amount to much unless redeemed for airfare—the only category where each point has 2% value as opposed to 1%.

Bottom Line

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.

If your passion is traveling and the high annual fee is not an issue for you, then this card may be a good choice as your sole travel card. If you do choose to apply for this card, you may want to consider supplementing the Mastercard® Titanium Card™ with a good cash-back credit card to earn higher than average rewards for your general spending.

Alternatives to the Mastercard® Titanium Card™

As noted, the biggest weakness of the Mastercard® Titanium Card™ is that it only offers 1% value for all cash-back rewards exclusive of airfare. Below, we’ve highlighted three cards that will provide better benefits and are more worth their annual fee from a holistic perspective.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
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The Chase Sapphire Reserve® is an extraordinary credit card, because it excels as a luxury travel card and rewards credit card simultaneously. Whereas the Mastercard® Titanium Card™ offers 2% value for airfare and 1% value for other cash-back rewards, the Chase Sapphire Reserve® provides a stellar 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. The card also provides standard airport lounge access.

Although the Mastercard® Titanium Card™ has more luxurious premium perks, the Chase Sapphire Reserve® is an altogether more functional card that will provide lasting benefits through a much more efficient cash-back rewards system. This credit card is easily worth its hefty annual fee.

The Platinum Card® from American Express

The Platinum Card® from American Express

$550

See Pay Over Time APR

Good/Excellent

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,000 properties. Learn More.
  • $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
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For those that were attracted to the Mastercard® Titanium Card™ for its luxury perks, The Platinum Card® from American Express may be the most suitable alternative given its array of benefits. Although The Platinum Card® from American Express has a high annual fee of $550 (See Rates & Fees), it offers use of Amex Centurion lounges, gold status in Hilton and Starwood hotels, and the Platinum Concierge which serves a similar function as the Luxury Card Concierge.

We conservatively evaluate the benefits on The Platinum Card® from American Express to be well worth the annual fee and more. If a consumer is simply seeking the most luxurious traveling experience possible, The Platinum Card® from American Express should be their No. 1 choice.

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

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
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The Chase Sapphire Preferred® Card is one of our favorite travel cards given its flexibility. The card offers 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide, no foreign transaction fee, 60,000 points for signing up after spending $4,000 on purchases within the first three months, and 1:1 point transfer to airline and hotel loyalty programs.

The Chase Sapphire Preferred® Card is also a much more affordable credit card than the Mastercard® Titanium Card™, Chase Sapphire Reserve® or The Platinum Card® from American Express. This card has only a $95 annual fee. Given the flexibility of this card, it would be a great fit for more casual travelers.

Compare Other Cashback and Rewards Cards

If you do choose to apply for the Mastercard® Titanium Card™, then it would be in your best interest to supplement it with another cash back and rewards card that offers greater points for everyday expenses.

Browse the options below and adjust the spending inputs on the tool to find a card that works best for your budget.

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Assumptions based on $1,430 monthly spend
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Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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).

  • On Barclays' Secure Website
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