Mastercard® Titanium Card™ Review

MASTERCARD® TITANIUM CARD™ BENEFITS

This exclusive, luxury credit card has a brushed metal card design; it clangs when it falls from your hand and is heavier than most other cards that you'll be carrying in your wallet.

And this heavy-hitting card comes with some heavy-hitting perks, but more on that soon. First, the rewards.

When it comes to rewards, you earn one point for every $1 spent on purchases with the CardName. At first glance, that doesn't look like that great of a rewards program, but – and this is a big "but" for the jetsetters out there – your points are worth more (2%) when you redeem them for airfare.

Hello, $1,000 flight for 50,000 points.

Another advantage? Your reward points can be redeemed instantly, making that last-minute trip a real possibility. And with no limits to the points that you earn nor blackout dates or seat restrictions, the sky is truly the limit for the freebies you can earn with the CardName.

A few more features:

• An introductory 0% APR on balance transfers (made within 45 days of account opening) for 15 billing cycles (then, RegAPR).
• Easy reward tracking via your monthly statement.
• ID theft resolution and luggage delay insurance.
• 24/7 luxury concierge service (requests do not require a purchase, incur no charge for making them, and do not involve department transfers).
• Airport "meet and greet" service through which a professional will meet and escort you through airport procedures.

FEATURED CARD

 

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• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

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Credit Needed:

Excellent

WHAT OUR EDITORS LIKE MOST ABOUT THE MASTERCARD® TITANIUM CARD™

Getting more value when redeeming your rewards for airfare is a decidedly alluring advantage for the CardName, and it makes the AnnualFees annual fee quite a bit easier to swallow.

Fifty thousand rewards points can be redeemed for a $1,000 ticket on any airline with no blackout dates or seat restrictions, giving Mastercard® Titanium Card™ a rich travel rewards component.

For those less apt to redeem every point for travel, utilizing a 1% statement credit is a nice way to get back some dough in exchange for the charges you make with the Mastercard® Titanium Card™. And there are plenty of other rewards options as well. Rewards earned with a Mastercard® Titanium Card™ can be redeemed for gift cards; merchandise such as electronics, sporting goods and items for the home; and experiences like guided fishing trips, vacation packages or tickets to major events.

And the fact that there are no limits on its rewards, as mentioned above, gives the Mastercard® Titanium Card™ an edge.

But this card really earns its place in the wallets of people "suffering" from wanderlust.

As you would expect, the Mastercard® Titanium Card™ doesn't charge foreign transaction fees, but it does offer you special access to chauffeured transportation services and even chartered jets or yachts.

MASTERCARD® TITANIUM CARD™ POTENTIAL DOWNSIDES

With a AnnualFees annual fee and a $95 fee charged for each additional authorized user, the CardName is a luxury credit card with a price that isn't for everyone. Sharing the card with three or four family members would cost $480 and $575 per year, respectively. This is a bit on the high side for a credit card, but may be worth it for those who travel frequently and are comfortable charging thousands of dollars annually in order to reap the full rewards potential. If you really want to travel in luxury, however (and can foot an even higher annual fee) you might want to consider the Mastercard® Black Card™ (more on that below).

HOW THE MASTERCARD® TITANIUM CARD™ COMPARES TO OTHER CARDS

Mastercard® Titanium Card™ vs. Mastercard® Black Card™

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The CardName is the next step up from the Mastercard® Titanium Card™ and as such offer the same features as the Mastercard® Titanium Card™ and then some. You earn one point for every $1 spent on purchases with the Mastercard® Black Card™ and those rewards points are worth extra when you redeem them for airfare (that 2% figure discussed above).

But, there's more. The Mastercard® Black Card™ also offers up to $100 annually to cover your incidental airline fees (think luggage fees or in-flight refreshments), access to 1,300+ airport lounges around the world, a fee credit every five years to cover your Global Entry or TSA Precheck application fee and luxury gifts simply for being a loyal card member. 

As you would expect, the Mastercard® Black Card™ also has a much higher annual fee, AnnualFees, and you pay $195 for each additional authorized user on the card. In other words, if you aren't willing to put all the perks to use, you'll probably do just as well with the Titanium card and its much lower annual fee. Terms and conditions apply

Mastercard® Titanium Card™ vs. Chase Sapphire Preferred® Card

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The CardName isn't what you would necessarily call a luxury card, but it does offer some significant benefits for the regular traveler – and at a cost of just AnnualFees annually.

With this card you earn 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. The introductory bonus offer of 60,000 points after spending $4,000 in the first three months is worth $750 toward travel when you redeem through Chase Travel.

The Mastercard® Titanium Card™ does offer some luxury perks you won't get with Chase Sapphire Preferred®, but if you don't see yourself putting those perks to good use, the lower-annual-fee CardName is likely a better option.

Mastercard® Titanium Card™ vs. CardName

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See Rates and Fees

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American Express is a CardRatings advertiser.

With CardName you'll receive a $200 airline fee credit for incidental charges with a pre-selected airline, concierge service and access to the Global Lounge Collection® of airport lounges. Travel purchases through the Amex travel portal earn five Membership Rewards points (on up to $500,000 on these purchases per calendar year) and you can also earn 80,000 Membership Rewards points when you use a new card to make $8,000 in purchases in your first six months. Keep in mind, however, that your point value isn't increased when you redeem for airfare, as it is with the Mastercard® Titanium Card™. Enrollment required for select benefits. 

CardName also comes with a much higher annual fee of AnnualFees.

Also keep in mind that unlike typical credit cards, the CardName allows you to carry a balance for certain charges, but not all, so you'll need to pay your balance off in full each month to avoid costly fees. If you occasionally carry a balance, the Mastercard® Titanium Card™ is likely a better option.

IS MASTERCARD® TITANIUM CARD™ A GOOD CARD?

This card was built for frequent travelers who are heavy credit card users. If you'll put the points to good use – particularly in enjoying that extra value by redeeming for airfare – the CardName 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.

(See Rates and Fees of CardName)