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Bank of America Business Advantage Unlimited Cash Rewards vs Mastercard Titanium Card
Both are well-respected travel cards. The Bank of America Business Advantage Unlimited Cash Rewards comes from Bank of America at $0/yr; the Mastercard Titanium Card from Barclays (Luxury Card) at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Business Advantage Unlimited Cash Rewards | Mastercard Titanium Card |
|---|---|---|
| Annual fee | $0 | $299 |
| Sign-up bonus | No public welcome bonus | |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Bank of America | Barclays (Luxury Card) |
| Card category | business | travel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Business Advantage Unlimited Cash Rewards
$0/yr ·
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus
Editorial take: Mastercard Titanium Card
The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Business Advantage Unlimited Cash Rewards or Mastercard Titanium Card?
- The Mastercard Titanium Card has a public bonus (No public welcome bonus, worth roughly $0), while the Bank of America Business Advantage Unlimited Cash Rewards doesn't advertise one right now.
- Is the Bank of America Business Advantage Unlimited Cash Rewards's $0 annual fee worth it compared to the Mastercard Titanium Card?
- The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so the question is whether the Mastercard Titanium Card's $299 fee is justified by its perks. If you'll use enough of the Mastercard Titanium Card's benefits to clear $299 in value annually, it's worth it; otherwise stick with the Bank of America Business Advantage Unlimited Cash Rewards.
- Can I have both the Bank of America Business Advantage Unlimited Cash Rewards and Mastercard Titanium Card?
- Yes, since they're from different issuers (Bank of America and Barclays (Luxury Card)) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Business Advantage Unlimited Cash Rewards or the Mastercard Titanium Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Business Advantage Unlimited Cash Rewards: no published min spend. Mastercard Titanium Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.