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Mastercard® Titanium Card™

Mastercard® Titanium Card™ Review

Excellent

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What Luxury Card says about this card

Mastercard® Titanium Card™
  • 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.
  • 24/7 Luxury Card Concierge®--Available by phone, email, and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Members-only LUXURY MAGAZINE®.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $195 ($95 for each Authorized User).
  • Earn one point for every one dollar spent.
  • Terms and conditions apply.

By Brooklyn Lowery CardRatings Senior Manager  Updated Mar 26, 2020

Mastercard® Titanium Card™ Essentials

This exclusive, luxury credit card is made of brushed stainless steel; 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 you spend on purchases with the Mastercard® Titanium Card™. 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 percent) when you redeem them for airfare.

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

Another big 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 Mastercard® Titanium Card™.

A few more features:

  • An introductory 0 percent APR on balance transfers (made within 45 days of account opening) for 15 billing cycles (then 16.49% Variable).
  • Easy reward tracking via your monthly statement.
  • ID theft resolution and luggage delay insurance.
  • 24/7 luxury concierge service.
  • Airport "meet and greet" service through which a professional will meet and escort you through airport procedures.

CardRatings Editor's Analysis: Pros & Cons

  • Your points are worth more when you redeem them for airfare – at a 2 percent redemption value, 50,000 points can be redeemed for a $1,000 flight.
  • Airport "meet and greet" service means a faster, easier start to your vacation or business trip.
  • Enjoy an intro 0 percent APR for 15 billing cycles on balance transfers made within the first 45 days of account opening.
  • The annual fee is not for the faint of heart at $195. If you won't use the card enough to offset the fee with rewards points, consider another travel-focused card with a lower fee.

What Our Editors Like Best about the Mastercard® Titanium Card™

Getting more value when redeeming your rewards for airfare is a decidedly alluring advantage for the Mastercard® Titanium Card™, and it makes the $195 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 percent 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.

Potential Downsides of the Mastercard® Titanium Card™

With a $195 annual fee and a $95 fee charged for each additional authorized user, the Mastercard® Titanium Card™ is a luxury credit card with a price and it 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).

Top Features

Rewards Bonus Rewards Annual Fee
1% Value for Cash Back Statement Credit Redemptions 2% value for airfare redemptions with no blackout dates or seat restrictions. $195

How Mastercard® Titanium Card™ Compares to Other Rewards Credit Cards

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

The Mastercard® Black Card™ 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. Like the Titanium card, the Mastercard® Black Card™ is made of brushed stainless steel. You earn one point for every $1 you spend on purchases with the Mastercard® Black Card™ and those rewards points are worth extra when you redeem them for airfare (that 2 percent 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 nearly 500 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, $495, 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.

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

With The Platinum Card® from American Express (American Express is a CardRatings advertiser), 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 and you receive 60,000 Membership Rewards® points when you use a new card to make $5,000 in purchases in your first three months. Terms apply. Keep in mind, however, that your point value isn't increased when you redeem for airfare, as it is with the Mastercard® Titanium Card™. 

The Platinum Card® from American Express also comes with a much higher annual fee, $550. (Terms apply. See Rates and Fees)

Also keep in mind that The Platinum Card® from American Express is a charge card as opposed to a credit card, so you'll need to pay your balance off in full each month to avoid costly late fees. If you occasionally carry a balance, the Mastercard® Titanium Card™ is likely a better option.

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

The Chase Sapphire Preferred® Card 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 $95 annually.

With Chase Sapphire Preferred® Card, you earn two points per dollar spent on travel and dining at restaurants and one point per dollar on all other purchases, meaning you have a great opportunity to rack up points with Chase Sapphire Preferred® Card. 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 Ultimate Rewards®.

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 Chase Sapphire Preferred® Card is likely a better option.

Who Should Get the Mastercard® Titanium 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 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.


(See Rates and Fees of The Platinum Card® from American Express)

Mastercard® Titanium Card™ compared to other travel rewards cards

Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
1% Value for Cash Back Statement Credit Redemptions
2% value for airfare redemptions with no blackout dates or seat restrictions.
$195
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
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®
$95
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.
Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
$550
Apply Now
Terms and Limitations Apply
Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. Earn 3X Membership Rewards® points at restaurants worldwide.
Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months.
$150
Apply Now
Terms and Limitations Apply
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
$0

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