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Side-by-side

Southwest Rapid Rewards Premier vs Mastercard Titanium Card

Both are travel travel cards. The Southwest Rapid Rewards Premier comes from Chase at $149/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.

FeatureSouthwest Rapid Rewards PremierMastercard Titanium Card
Annual fee$149$299
Sign-up bonus55,000 bonus pointsNo public welcome bonus
Bonus value (est.)-$0
Min spend to unlock bonus$1,500 in 3 mo$0 in 0 mo
IssuerChaseBarclays (Luxury Card)
Card categorytraveltravel
Best earning category (Travel)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x on Southwest
  • 6k anniversary points
  • Free first checked bag
  • 15% anniversary promo code
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
Southwest Rapid Rewards Premier
$149/yr · 55,000 bonus points
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

Editorial take: Southwest Rapid Rewards Premier

The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.

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, Southwest Rapid Rewards Premier or Mastercard Titanium Card?
The Mastercard Titanium Card has a public bonus (No public welcome bonus, worth roughly $0), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
Is the Southwest Rapid Rewards Premier's $149 annual fee worth it compared to the Mastercard Titanium Card?
At $149/yr, the Southwest Rapid Rewards Premier 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 Southwest Rapid Rewards Premier 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 Southwest Rapid Rewards Premier or the Mastercard Titanium Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Premier: $1,500 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.