Mastercard® Titanium Card® Review: Your Guide to Luxury Travel Benefits

Who Is the Mastercard® Titanium Card® For?

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The Mastercard® Titanium Card® works best as an introductory premium travel card for people who:

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• Want airport lounge access without paying a $600+ annual fee
• Redeem points mainly for airfare to get the 2% value
• Value 24/7 concierge service and Luxury Card Travel® hotel perks
• Want cell phone protection and travel coverage on a metal card

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If you'd use annual airline and dining credits, compare the Mastercard® Black Card®, which adds $300 in yearly credits and currently has a limited-time 75,000-point offer.

Comparing the Mastercard® Titanium Card® With Other Credit Cards

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When considering the Mastercard® Titanium Card®, it's helpful to compare it with other popular premium travel cards:

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The Platinum Card® from American Express

• Annual fee: see the card details below
• Key rewards: 5X Membership Rewards® points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 in these purchases per calendar year (then 1X), and 5X on prepaid hotels booked through American Express Travel®
• Standout feature: access to over 1,550 airport lounges and hotel elite status

^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Capital One Venture X Rewards Credit Card (See Rates & Fees)

• Annual fee: $395
• Key rewards: 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, 2X miles on everything else
• Standout feature: $300 annual travel credit for bookings through Capital One Travel and 10,000 bonus miles every account anniversary

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Chase Sapphire Reserve®

• Annual fee: $795
• Key rewards: 8x points on purchases through Chase Travel℠, 4x points on flights and hotels booked directly, 3x points on dining, 1x point on everything else
• Standout feature: $300 annual travel credit each account anniversary year

^{For the Chase Sapphire Reserve®: points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.}

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Key Takeaways:

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• The Mastercard® Titanium Card® offers lounge access and concierge service at the lowest fee in the Luxury Card family
• The Platinum Card® from American Express offers the deepest premium travel perks
• Capital One Venture X provides high rewards on travel bookings
• Chase Sapphire Reserve® features flexible travel credits and transferable points

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[[ CARD_LIST * {"ids": ["106","2888", "510"]} ]]

Get More From Your Cards With Kudos

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The Titanium Card earns 1 point per $1 on most purchases, so it pays to know when another card in your wallet earns more. Kudos recommends your best card at checkout for free.

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If you carry other premium cards, the Kudos Benefits Tracker keeps every credit and benefit across your wallet in one place, so nothing resets unused. It's part of Kudos Premium.

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Our Expert Takeaway

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The Mastercard® Titanium Card® is the most affordable way into the Luxury Card family. At $299, its value comes from lounge access, concierge service, and travel protections rather than its rewards, since points are worth just 1% as cash back. If you redeem for airfare and use the lounges, it can earn its fee.

Mastercard® Titanium Card® FAQ

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What is the annual fee for the Mastercard® Titanium Card®?

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The annual fee is $299, plus $149 for each authorized user.

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What are the reward redemption rates?

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Points are worth 2% when redeemed for airfare and 1% when redeemed for cash back. For example, 50,000 points are worth $1,000 toward airfare or $500 in cash back.

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Does the card offer airport lounge access?

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Yes. Cardholders get complimentary access to over 1,800 airport lounges, with unlimited visits for themselves and their guests.

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Does the card have an intro APR on balance transfers?

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Yes. The card offers a 0% intro APR for the first 15 billing cycles on balance transfers that post within 45 days of account opening. After that, the variable APR is 19.74% to 27.74%. A balance transfer fee of $5 or 5% of each transfer, whichever is greater, applies.

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Does the card charge foreign transaction fees?

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No, the card has no foreign transaction fees.

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How does the concierge service work?

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Luxury Card Concierge is available 24/7 by phone, email, text, or chat to help with travel planning, dining reservations, and everyday requests.

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^{The Luxury Card trademarks are property of Barclays Lifestyles LLC. BLACK CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners.}