Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Chase Sapphire Preferred vs Mastercard Titanium Card

Both are travel travel cards. The Chase Sapphire Preferred comes from Chase 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 Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Mastercard Titanium Card's. Get the Chase Sapphire Preferred first; revisit the Mastercard Titanium Card after you've earned that bonus.

FeatureChase Sapphire PreferredMastercard Titanium Card
Annual fee$95$299
Sign-up bonus75,000 pointsNo public welcome bonus
Bonus value (est.)$1,500$0
Min spend to unlock bonus$5,000 in 3 mo$0 in 0 mo
IssuerChaseBarclays (Luxury Card)
Card categorytraveltravel
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

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, Chase Sapphire Preferred or Mastercard Titanium Card?
The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Mastercard Titanium Card?
At $95/yr, the Chase Sapphire Preferred 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 Chase Sapphire Preferred and Mastercard Titanium Card?
Yes, since they're from different issuers (Chase 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 Chase Sapphire Preferred or the Mastercard Titanium Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 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.