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.
Luxury 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.
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
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- RedemptionNote on user prompt: the historical 1.5 cpp airfare-redemption rate has been replaced by the current 2 cpp rate on luxurycard.com ("Information as of March 31, 2026"); statement-credit airfare redemptions are still cited at 1.5 cpp on some pages,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.
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See the Current Offer
Earn No public welcome bonus
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