Mastercard Titanium Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferLuxury Card's Titanium tier carries no public sign-up bonus. The product is positioned around in-card benefits (lounge access, concierge, Luxury Card Travel hotel perks) rather than a one-time points haul; targeted offers may exist via Barclays mailers or referral, but none are advertised on luxurycard.com.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- Priority Pass Select ($469 value)
- 2x airfare and hotels via LuxuryCardTravel
- 24/7 Concierge
- No foreign transaction fees
Important considerations
- Annual fee to offset
This card carries a $299 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
Based on this card's terms last verified May 2026.
Earning rates
2- 1xeverything else
1 Luxury Rewards point per $1 on all purchases with no caps, no blackout dates, and no point expiration.
- 2xlodging
2X points on airfare and hotels booked through LuxuryCardTravel.com, the issuer's proprietary booking platform.
Statement credits
2- $500Cash-back redemption value
Cash-back redemption value: 50,000 points = $500 cash back (1 cent per point), available as a statement credit, direct deposit, or check.
- $750Luxury Card Travel ($750 average value)
Luxury Card Travel ($750 average value): complimentary benefits at 3,000+ luxury hotels and resorts worldwide when booked through the platform, typically daily breakfast for two, room upgrade when available, welcome amenity, resort/dining credit, late checkout/early check-in, and Wi-Fi.
Perks & memberships
7- Authorized users$299 annual fee for the primary cardholder (per luxurycard.com as of 2026-05-23); +$149 annual fee for each authorized user added to the account.
- RedemptionAirfare redemption value: 50,000 points = $1,000 in airfare booked through Luxury Card Travel (effective 2 cents per point on airfare redemptions).
- RedemptionNote on user prompt: the historical 1.5 cpp airfare-redemption rate has been replaced by the current 2 cpp rate on luxurycard.com ("Information as of March 31, 2026"); statement-credit airfare redemptions are still cited at 1.5 cpp on some pages, but the current Titanium LP advertises 2 cpp.
- Lounge accessPriority Pass Select airport lounge membership ($469 stated value): automatic complimentary access to 1,800+ lounges in 600+ cities and 140+ countries, including participating airport restaurants and mini-suites, with unlimited visits for the cardholder and accompanying guests.
- ConciergeLuxury Card Concierge ($250 stated value): 24/7 personalized service via call, email, text, or chat for travel planning, dinner reservations, gifting, event/ticket access, and everyday research tasks.
- No foreign feesNo foreign transaction fees on purchases made outside the United States.
- Card networkWorld Elite Mastercard benefits suite: exclusive travel, shopping, and special offers refreshed by Mastercard at mastercard.us/worldeliteoffers.
Travel & purchase protections
6- Trip Cancellation / Trip Interruption insurance: reimbursement of non-refundable trip costs when a covered reason cancels or interrupts a trip charged to the card (subject to Guide to Benefits limits).
- MasterRental Coverage: secondary auto-rental Collision Damage Waiver for eligible rentals worldwide when the full rental is charged to the card and the agency's CDW is declined.
- Travel Accident Insurance: common-carrier accidental death and dismemberment coverage at no cost when fares are charged to the card.
- Baggage Delay Insurance: reimbursement up to $100 per day for up to 3 days when a common carrier delays checked baggage more than 4 hours after arrival at the destination (arrival at primary residence excluded).
- Mastercard Zero Liability Protection on unauthorized purchases if the card is lost or stolen.
- Mastercard ID Theft Protection at no additional cost (activation required at mastercardus.idprotection.com), credit monitoring, alerts, and resolution support.
More benefits & fine print (4)ShowHide
- Entry-tier Mastercard Titanium Card from Luxury Card (Barclays Bank Delaware), positioned below the Black Card and Gold Card tiers in the Luxury Card lineup.
- Issued as a 22-gram brushed-metal card (stainless-steel front face with a carbon back layer); no plastic on the visible surfaces, differentiating it from a standard plastic Mastercard.
- Travel Assistance services: 24/7 emergency travel, legal, and medical referral hotline for cardholders away from home.
- Issued by Barclays Bank Delaware on the Mastercard network under license from Barclays Lifestyles LLC, owner of the Luxury Card trademarks.
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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See the Current Offer
Earn No public welcome bonus
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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