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Apply online for Mastercard® Titanium Card™
About Our Ratings
Credit Needed
Excellent

Mastercard® Titanium Card™ Review

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.

Top Features

Rewards
1% Value for Cash Back Statement Credit Redemptions
Bonus Rewards
2% Value for Airfare Redemptions
Regular APR
16.99% Variable
Annual Fee
$195

Full Review

Brooklyn Lowery Site Editor

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.
  • 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.

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).

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. 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.

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 ($0 for the first year).

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 50,000 points after spending $4,000 in the first three months is worth $625 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.

This page was last updated on October 10, 2018

This card compared to other travel rewards cards

Rewards
1% Value for Cash Back Statement Credit Redemptions
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.
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Rewards
2% Value for Airfare Redemptions
Earn 60,000 Membership Rewards® after you use your new Card to make $5,000 in purchases in your first 3 months.
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Regular APR
16.99% Variable
N/A 
17.99% - 24.99% Variable 
Annual Fee
$195
$550
$0 Intro for First Year, then $95
Rates and Fees
CardRatings.com Editorial Staff

Mastercard® Titanium Card™ details

Balance Transfer Intro APR
0% introductory APR
Balance Transfer Intro Period
for the first 15 billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 16.99%
Purchase Intro
APR:
N/A
Regular APR
16.99% Variable
Annual Fee
$195

What Luxury Card says about this card

  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card ConciergeTM
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
  • 16.99% Variable APR on Purchases and Transfers
  • 0% introductory APR for the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 16.99%

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Highlighted offers
Currently available on the Mastercard® Titanium Card™
0% introductory APR
For the first fifteen billing cycles on balance transfers made in the first 45 days after account opening; After intro will be 16.99%

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Apply online for The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 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. Learn More.
  • $200 Airline Fee Credit, up to $200 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®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Good, Excellent
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent, Good