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

Mastercard Black Card vs Mastercard Titanium Card

Both are travel travel cards. The Mastercard Black Card comes from Barclays (Luxury Card) at $699/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

Both cards come from Barclays (Luxury Card) and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Mastercard Black Card costs $400 more per year, only worth it if you'll actually use the upgraded perks.

FeatureMastercard Black CardMastercard Titanium Card
Annual fee$699$299
Sign-up bonusNo public welcome offerNo public welcome bonus
Bonus value (est.)$0$0
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerBarclays (Luxury Card)Barclays (Luxury Card)
Card categorytraveltravel
Best earning category (Luxury_card_travel)2x1x
Transfer partnersNoneNone
Headline benefits
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus

Editorial take: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

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, Mastercard Black Card or Mastercard Titanium Card?
The two cards offer comparable sign-up bonuses around $0. Pick based on which earning categories you actually use.
Is the Mastercard Black Card's $699 annual fee worth it compared to the Mastercard Titanium Card?
Premium cards like the Mastercard Black Card ($699/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $699+ of those credits, the math works. The Mastercard Titanium Card at $299/yr trades some perks for a lower commitment.
Can I have both the Mastercard Black Card and Mastercard Titanium Card?
Yes, though both are issued by Barclays (Luxury Card) so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Mastercard Black Card or the Mastercard Titanium Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Black Card: $0 spend in 0 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.