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Capital One Spark Cash vs Mastercard Titanium Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/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
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Mastercard Titanium Card's. Get the Capital One Spark Cash first; revisit the Mastercard Titanium Card after you've earned that bonus.
| Feature | Capital One Spark Cash | Mastercard Titanium Card |
|---|---|---|
| Annual fee | $95 | $299 |
| Sign-up bonus | $1,000 cash bonus | No public welcome bonus |
| Bonus value (est.) | $1,000 | $0 |
| Min spend to unlock bonus | $10,000 in 3 mo | $0 in 0 mo |
| Issuer | Capital One | Barclays (Luxury Card) |
| Card category | business | travel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
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, Capital One Spark Cash or Mastercard Titanium Card?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the Mastercard Titanium Card?
- At $95/yr, the Capital One Spark Cash is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Mastercard Titanium Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and Mastercard Titanium Card?
- Yes, since they're from different issuers (Capital One 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 Capital One Spark Cash or the Mastercard Titanium Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. 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.