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Side-by-side

Mastercard Titanium Card vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Mastercard Titanium Card comes from Barclays (Luxury Card) at $299/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Southwest Rapid Rewards Priority is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Mastercard Titanium Card's. Get the Southwest Rapid Rewards Priority first; revisit the Mastercard Titanium Card after you've earned that bonus.

FeatureMastercard Titanium CardSouthwest Rapid Rewards Priority
Annual fee$299$229
Sign-up bonusNo public welcome bonus60,000 points
Bonus value (est.)$0$840
Min spend to unlock bonus$0 in 0 mo$2,000 in 3 mo
IssuerBarclays (Luxury Card)Chase
Card categorytravelairline
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
  • 7,500 anniversary points
  • $75 annual travel credit
  • 4 upgraded boardings/year
  • 4x on Southwest
Read the full review
Mastercard Titanium Card
$299/yr · No public welcome bonus
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points

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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Mastercard Titanium Card or Southwest Rapid Rewards Priority?
The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $840, versus No public welcome bonus (~$0) on the Mastercard Titanium Card.
Is the Mastercard Titanium Card's $299 annual fee worth it compared to the Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
Can I have both the Mastercard Titanium Card and Southwest Rapid Rewards Priority?
Yes, since they're from different issuers (Barclays (Luxury Card) and Chase) 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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Titanium Card: $0 spend in 0 months. Southwest Rapid Rewards Priority: $2,000 in 3 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.