Updated Oct 20, 2021 | Published May 13, 2020 • 10 min read
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The Mastercard Titanium Card is a premium metal rewards credit card that earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler.
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Our Rating: 3 Out of 5 Stars
We give the Mastercard® Titanium Card™ three out of five Stars. While it provides some value through its benefits, the rewards are quite lacking, and you’d expect more from a card with this kind of price tag.
Why We Like It
Certain benefits could save you a good deal of money, like travel and shopping discounts
The Mastercard Titanium Card is a brushed stainless steel rewards card, designed for regular travelers with excellent credit scores.
Considering the annual fee, the rewards program is not as lucrative as what you may find on other cards with high fees. But the benefits, like the travel perks and concierge you can reach through live in-app chat, can be fairly valuable depending on how you use them.
This is a thick, heavy, metal credit card, so it may be the card for you if you want to make an impression.
The Titanium card is on the lowest end of the Luxury Card line of rewards credit cards, which includes:
Travel in style and comfort: Use the VIP Hotel & Travel benefits as often as possible each year to get as much value as you can from this card.
Getting help is easy: Download the Luxury Card app to chat with a concierge to get exclusive tickets and help with requests.
Redeem rewards for airfare: Only redeem points for air travel to maximize rewards value, to get a value of 2% cash back. And only use the card for spending when you wouldn’t earn the equivalent of 2% cash back or more with another reward card.
Make sure you’re on the move enough first: The value from this card comes from its benefits, so before you apply, make sure it suits your lifestyle.
Consider a different card for balance transfers: This card has a 0% APR for balance transfers, but it’s probably not a good idea to transfer a balance to a card with such a high annual fee when you could use that to pay down the balance. Instead, take a look at some other balance transfer cards.
Limit your high-end travel cards: You probably don’t need more than one high annual fee travel card in your wallet, whether it’s this card or one of its top competitors, because they tend to have similar benefits.
This card earns the equivalent of 2% cash back on all purchases when you redeem points for airfare. Otherwise, when you redeem for statement credits or to a bank account, you’ll only get the equivalent of 1% cash back.
Many travel cards, especially those with annual fees, earn a big introductory bonus when you spend a certain amount in the first few billing cycles of account opening — but this card does not.
1X point per dollar for all purchases
Cash back redemption value: 1% cash back
Airfare redemption value: 2% cash back
There are two possible values you’ll get when you redeem points:
1 cent per point when you redeem as a statement credit, direct deposit to a bank account, or for hotels, car rentals, gift cards, or merchandise
As long as the account is open and in good standing, the points don’t expire.
Reward redemptions on this card start at $1 of redemption value. That means you can cash in as few as 50 points at a time when you’re redeeming for airfare, since that’s what it takes to equal $1 in airfare. Otherwise, you’ll need to redeem a minimum of 100 points at a time, since the points don’t go as far with other redemption options.
A maximum of 2% cash back is low for a card with an annual fee, especially one over $100. For comparison, the Citi® Double Cash Card – 18 month BT offer (Review) has no annual fee and earns 2% cash back on everything you buy (1% for payments, 1% for purchases as long as you pay at least the minimum due on time). But, that card does not have the same level of benefits offered by the Titanium card.
There are a few major benefits with this card, along with a variety of less valuable perks. Here are some of the highlights:
VIP Hotel & Travel Benefits: Each year, cardholders get a physical book that covers many different travel benefits. Some of these include car rental discounts and upgrades, and discounts or valuable credits at certain hotels. If you want to see the 2020 copy of the book sent to cardholders, there’s a digital version online here.
Luxury Card Concierge: Most credit card concierges are available by phone, but Luxury Card also offers an app where you can chat live with a concierge. You may find this useful for booking travel and related assistance, like finding restaurants in a new city. The concierge may also have access to tickets to sold-out concerts and events or be able to help you get other limited-availability reservations.
Luxury Magazine: According to the Luxury Card website, cardholders get a magazine that’s “exclusive to Luxury Card members.” However, they probably only mean the print edition is exclusive, since anyone can see it online at luxurymagazine.com. This doesn’t seem like a valuable benefit, and can actually be kind of annoying, because they print and send this big book even if your account is set up as paperless.
Lyft credits: Get $5 in Lyft credits per month when you take three eligible rides and pay with your card.
DoorDash credits: Three free months of DashPass, renews automatically after the trial ends; $5 off first two DoorDash orders per month until 9/30/22.
Boxed discount: Get 5% cash rewards on eligible Boxed.com purchases.
Fandango discount: Enroll in Fandango VIP for free to earn 250 Fandango VIP+ points per ticket, enough for a $5 reward.
ShopRunner: Enroll in ShopRunner to get free two-day shipping and returns at participating online retailers.
onefinestay membership: Get a 10% discount on onefinestay bookings, plus free WiFi and a complimentary iPhone (with free local calls and data) to use during your stay.
Luxury Gifts: This benefit is somewhat ambiguous. The official Luxury Card website says the gift program “has no predetermined schedule or frequency.” From what we gather based on conversations with customer service, you might get some surprise packages in the mail occasionally if you have this card.
Cell phone protection: You’ll be covered for up to $1,000 in cell phone damages or theft annually; up to $800 per claim, two claims per year; does not cover lost phones.
Travel accident insurance: You and yours are covered from accidental death and loss of limb, sight, or speech up to $250,000.
Trip cancellation/interruption insurance: Secondary coverage for your trips; you could be reimbursed for up to $5,000
Auto rental collision damage: Your eligible rental cars are covered against theft and collision damage, as long as you decline the rental company’s own insurance.
Baggage delay insurance: You can be reimbursed for the cost of replacing eligible items if your luggage is delayed more than 12 hours.
Travel assistance: Provides information about your travel destinations, 24/7, including medical and legal referrals
The Terms & Fees
Balance Transfer APR
Cash Advance APR
0% for 15 months, then 14.99% Variable
Foreign Transaction Fee
Balance Transfer Fee
Cash Advance Fee
3% ($5 min)
5% ($10 min)
Returned Payment Fee
Up to $39
Up to $39
The main consideration here is the annual fee. Authorized users cost an additional $95.
Oddly, there’s an introductory APR for balance transfers, which probably isn’t something people considering this card would want. Instead of getting this card with its high annual fee, that money could be put toward paying off existing credit card debt instead of transferring it. And if you’re looking to do a balance transfer, there are cards with much better offers.
The Bottom Line
The main value of the Mastercard® Titanium Card™ comes from its benefits. You could save quite a bit of money, depending on how much you utilize the VIP Hotel & Travel benefit.
The rewards, in relation to the price, could definitely be better. If you redeem them for airfare, you’ll get the equivalent of 2% cash back. But for the price of $195, that doesn’t seem worth it. There are other travel cards that offer higher rewards for a lower fee (see some of them below).
While this is a heavy, metal card, there are other travel cards like it with more useful benefits. So if you’re looking to make a statement with a metal card, you should probably look elsewhere. You’d get more value from one of the other high-end cards on the market.
How to Apply for the Mastercard Titanium Card
The Mastercard Titanium Card card is issued by Barclays. If you submit a credit card application, they’ll usually check your TransUnion credit report.
This card is designed for people with excellent credit, so if your credit doesn’t meet the minimum requirements you may not be approved. But, keep in mind that credit approval relies on more than just credit scores, and you may qualify with lower scores (or be denied with great scores).
Qualifications and Requirements
Must be 18 to apply
Personal information: Name, address, email, phone number, Social Security number, date of birth, mother’s maiden name, citizenship status
Financial information: Housing status, time at address, monthly payment , employment status, gross income
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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
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 for Global Entry or TSA Pre✓®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
You’ll earn points on Lyft, dining, and travel. Coupled with the 50% redemption bonus when you redeem them through Chase Ultimate Rewards, you’re looking at a much higher cash back equivalent than you’d see with the Titanium.
Another area where you’d find more value with this card are in the point transfers. Chase features 1:1 transfer options to leading airlines and hotels, and you could potentially get more value from your points if you transfer them over. The Titanium card doesn’t offer any transfer options.
There’s an annual $300 credit that can be applied to any travel expense as well as credits for Global Entry/TSA PreCheck application fees, effectively dropping the annual fee to about $225.
In addition, the Reserve provides the very valuable Priority Pass Select membership, granting access to many airport lounges. There are more protections for shopping and travel, too.
So for about $30 more, you could earn more rewards and travel much more comfortably.
Hotel stays and Car rentals through Ultimate Rewards (after the full travel credit is used)
Lyft rides (through 3/31/22)
5X Ultimate Rewards points per dollar on Air travel through Ultimate Rewards (after the full travel credit is used)
3X Ultimate Rewards points per dollar:
Travel (after the full travel credit is used)
1X Ultimate Rewards point per dollar on all other purchases
50,000 bonus points after spending $4,000 on purchases in the first 3 months
There’s a 50% bonus when you redeem your points for eligible travel through Chase Ultimate Rewards. That means points would be worth 1.5 cents each when you use the portal.
That way, you’d be earning the equivalent of 4.5% cash back in the travel and dining categories. And it would be a 2% cash back equivalent for all other purchases, which is just as much as the Mastercard Titanium Card offers for airline redemptions.
As mentioned, you could find even more value if you transfer your points to Chase’s travel partners. With their 1:1 transfer rate, you could transfer them to an airline or hotel partner and book a nice trip. We recommend holding out until you can locate a deal that would give you around 2 cents per point, giving you a solid return on your spending.
50% point bonus when redeeming for travel expenses through Chase Ultimate Rewards
Point transfer: Transfer your points at a 1:1 rate to a variety of airline and hotel loyalty programs, like United, JetBlue, and Marriott Bonvoy.
$300 annual travel credit: You’ll get a $300 travel credit every year that will be automatically applied to any travel-related expenses you charge to your card.
Priority Pass Select membership: Cardholders get a complimentary Priority Pass Select membership, which provides access to over 1,000 airport lounges worldwide plus a selection of restaurants.
Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection provides some complimentary services and benefits at participating hotels and resorts, including room upgrades, daily breakfast for two, and special gifts.
Global Entry or TSA PreCheck application fee credit: Get a statement credit to offset the cost of signing up for Global Entry ($100) or TSA PreCheck ($85).
Elite hotel benefits at Relais & Châteaux: Cardholders get accelerated progress towards Club 5C member status with Relais & Châteaux luxury hotel and resort properties.
Visa Infinite Concierge: Call 1-877-660-0905 for non-emergency help of all kinds, like making dinner reservations or finding good tickets to a show.
Special car rental privileges: Get rental upgrades, discounts, and promotional offers at rental companies like Avis, Silvercar, and National Car Rental.
Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup
DoorDash membership: A free membership (DashPass) for a year, which provides free delivery for orders of $15 or more
$60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
Shopping protections: You’ll get purchase protection when shopping, extended warranty protection, and return protection.
Travel protections: Travel and emergency assistance, emergency medical and dental protection, trip delay reimbursement, and much more
Purchase and Balance Transfer APR: 16.99% - 23.99% Variable
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
While it does come along with an annual fee of $695, it also offers a number of annual credits to help offset it.
There’s a fee credit for Global Entry/TSA PreCheck, a $200 yearly Uber credit, an annual $100 Saks credit, and much more. Some, like the Saks credit, may or may not be too valuable for some cardholders.
The Amex Platinum would easily prove more rewarding than the Titanium card. The Platinum also offers point transfers, so you could potentially get even more value for your points than typical redemptions would provide, unlike the Titanium card.
As for the benefits, you’ll get plenty. They include Gold status at Marriott Bonvoy and Hilton hotels, providing extra points, room upgrades when available, and your 5th night free. You’ll also get extensive access to airport lounges (the best on any credit card). Those three together provide some serious value.
Enrollment required for select benefits; terms and limitations apply.
Flights booked directly through airlines or through Amex Travel (on up to $500,000 spent per calendar year, then 1X)
Prepaid hotels booked through Amex Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
1X Membership Rewards point per dollar on other eligible purchases
100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
$300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
$240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
$100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December
Global Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
Point transfer: To a selection of airline and hotel loyalty programs
Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
No foreign transaction fee
Annual fee: $695
Enrollment required for select benefits; terms and limitations apply.
Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
While the annual fee is $250, there are a number of annual credits you get which knock it down to around $130.
You’ll get a $120 annual dining credit, which is broken up into $10 per month. There’s also a credit when you book through the Hotel Collection program and stay two nights or more, you can get up to $100 in credit per stay.
In addition, you’ll earn much better rewards with this card than you would with the Titanium. It features extra categories with higher point multipliers, leaving you with way more points in the bank.
So there’s plenty of potential for saving and earning on top of all the protections and perks you can expect with a card of this caliber.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
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.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
The Preferred is a step down from the Chase Sapphire Reserve® (Review). Like it, you can find a good deal of value in the 1:1 point transfers Chase offers to its travel partners.
And while the rewards aren’t as impressive as the Reserve’s, they’re still higher than what you would get with the Titanium. You’ll get a 25% redemption bonus through Chase Ultimate Rewards, too, upping the value.
You’d also save on the annual fee, as the Preferred costs less than the Titanium.
While you may get more from the Titanium’s benefits, the Sapphire Preferred has the Shop through Chase and Chase Offers shopping portals that may provide some value. There are also some great travel protections, including a primary auto rental collision damage waiver.
10% annual point bonus: Get a 10% bonus on all points earned in the past year; awarded on your account anniversary.
25% redemption point bonus: Get 25% more value when redeeming for travel expenses through Chase Ultimate Rewards; that means each point is worth 1.25 cents. Chase may give a 25% bonus for other redemption types as well.
Point transfer: Transfer points at a 1:1 rate to leading airline and hotel loyalty programs, like Marriott Bonvoy and United MileagePlus.
DoorDash membership: Get a free membership (DashPass) for at least a year, which provides free delivery and reduced service fees on orders over $12.
$60 Peloton credit: Enroll to get up to $60 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
Shop through Chase/Chase Offers: Earn more points by shopping at participating retailers with the Shop through Chase and Chase Offers shopping portals.
Visa Signature Concierge: Call to speak with your Visa Signature Concierge any time, day or night.
Primary Auto Rental Collision Damage Waiver: Get primary coverage on eligible rental vehicles so you don’t have to pay for rental insurance and your premiums won’t go up after an accident.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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