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Side-by-side

Mastercard Titanium Card vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Mastercard Titanium Card comes from Barclays (Luxury Card) at $299/yr; the Petal 2 Cash Back, No Fees Visa from Petal at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Petal 2 Cash Back, No Fees Visa, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureMastercard Titanium CardPetal 2 Cash Back, No Fees Visa
Annual fee$299$0
Sign-up bonusNo public welcome bonusNone
Bonus value (est.)$0$0
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerBarclays (Luxury Card)Petal
Card categorytravelcredit-builder
Best earning category (Airfare_hotels_luxurycardtravel)2x1x
Transfer partnersNoneNone
Headline benefits
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
    Read the full review
    Mastercard Titanium Card
    $299/yr · No public welcome bonus
    Read the full review
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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.

    Editorial take: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Mastercard Titanium Card or Petal 2 Cash Back, No Fees Visa?
    The two cards offer comparable sign-up bonuses around $0. Pick based on which earning categories you actually use.
    Is the Mastercard Titanium Card's $299 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    At $299/yr, the Mastercard Titanium Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Mastercard Titanium Card and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Barclays (Luxury Card) and Petal) 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 Mastercard Titanium Card or the Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Titanium Card: $0 spend in 0 months. Petal 2 Cash Back, No Fees Visa: $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.