Mastercard Titanium Card

Earning Rates

Key Benefits

• Priority Pass Select ($469 value)
• 2x airfare and hotels via LuxuryCardTravel
• 24/7 Concierge
• No foreign transaction fees

All Benefits

• 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.
• $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.
• 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.
• 1 Luxury Rewards point per $1 on all purchases with no caps, no blackout dates, and no point expiration.
• 2X points on airfare and hotels booked through LuxuryCardTravel.com, the issuer's proprietary booking platform.
• Airfare redemption value: 50,000 points = $1,000 in airfare booked through Luxury Card Travel (effective 2 cents per point on airfare redemptions).
• Note on user prompt: the historical 1.5 cpp airfare-redemption rate has been replaced by the current 2 cpp rate on luxurycard.com ("Information as of March 31, 2026"); statement-credit airfare redemptions are still cited at 1.5 cpp on some pages,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.
• Cash-back redemption value: 50,000 points = $500 cash back (1 cent per point), available as a statement credit, direct deposit, or check.
• 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.
• Priority 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.
• Luxury 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.
• 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).
• Travel Assistance services: 24/7 emergency travel, legal, and medical referral hotline for cardholders away from home.
• No foreign transaction fees on purchases made outside the United States.
• 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.
• World Elite Mastercard benefits suite: exclusive travel, shopping, and special offers refreshed by Mastercard at mastercard.us/worldeliteoffers.
• Variable purchase APR of 19.49%–27.49% (Prime-indexed); cash-advance APR 29.74%; balance-transfer intro 0% for 15 billing cycles on transfers made within 45 days of account opening (5% / $5 min BT fee, 5% / $10 min cash advance fee).
• Issued by Barclays Bank Delaware on the Mastercard network under license from Barclays Lifestyles LLC, owner of the Luxury Card trademarks.
• Not offered (Titanium tier specific): no $100 Global Entry / TSA PreCheck application fee credit — that benefit is currently advertised only on the Black Card and Gold Card tiers, not on the Titanium LP.
• Not offered (Titanium tier specific): no annual airline statement credit — Luxury Card's airline credit (historically $100) is now reserved for the Gold and Black tiers.
• Not offered (Titanium tier specific): no Cell Phone Protection benefit listed on the current luxurycard.com Titanium product page (not part of the published Mastercard benefits set for this tier).
• Not offered: no Mastercard Travel & Lifestyle Services suite (the Luxe Hotel & Resorts / Lowest Hotel Rate Guarantee package surfaced on World Elite Mastercards through certain issuers) — Luxury Card consolidates premium hotel perks under its own Luxury Card Travel program instead.
• Not offered: no airline elite status, no airline checked-bag credit, no hotel chain elite status (Marriott / Hilton / Hyatt / IHG), and no points-transfer partners — Luxury Rewards points are issuer-internal and redeem only for airfare, cash back, gift cards, and merchandise.
• Not offered: no welcome bonus, no anniversary bonus points, no recurring statement credits (dining, ride-share, streaming, Uber, DoorDash, etc.).
• Not offered: no primary auto-rental CDW (the Titanium MasterRental benefit is secondary only; primary CDW is a Black Card / Gold Card upgrade).