2.5/5
Mastercard® Titanium Card®
- Best for: Frequent flyers who will use Priority Pass lounges, often with guests, and want a metal card with concierge service
- What Sets It Apart: Unlimited Priority Pass Select visits for you and your guests; points worth 2 cents each toward airfare with no blackout dates
- Cost: $299 annual fee; $149 per authorized user; 19.74% to 27.74% variable interest rate; 5% balance transfer fee ($5 minimum); no foreign transaction fee
- Features: 1 point per $1; 2 points per $1 on flights and hotels booked through LuxuryCardTravel.com; 24/7 concierge; Luxury Card Travel hotel perks; 0% interest on balance transfers for 15 billing cycles
- Pros: Unlimited lounge visits with guests; no blackout dates on airfare redemptions; no foreign transaction fee
- Cons: No welcome bonus or airline credit; cash redemptions worth 1 cent a point; flights booked with points are nonrefundable
Luxury Card’s entry-level card is a 22-gram brushed metal Mastercard, issued by Barclays, for frequent travelers who want a 24/7 concierge and luxury hotel perks along with lounge access. The $699 Black Card and $1,199 Gold Card above it add yearly airline credits that this card lacks.
Key Features
- $299 annual fee, plus $149 for each authorized user
- 1 point per $1 spent, or 2 points per $1 on flights and hotels booked through LuxuryCardTravel.com
- Points worth 2 cents each toward airfare, or 1 cent as cash back or a statement credit
- Priority Pass Select membership, with unlimited airport lounge visits for you and your guests
- Variable interest rate of 19.74% to 27.74%, with 0% interest on balance transfers for 15 billing cycles if they post to the account within 45 days of opening
Pros
- No blackout dates or seat restrictions when you redeem points for airfare
- No foreign transaction fee
- Hotel perks that can include daily breakfast for two and a room upgrade when available, on stays booked through Luxury Card Travel
- Coverage for canceled trips, rental car damage, and delayed bags
Cons
- No welcome bonus or airline credit to offset the fee
- Cash redemptions worth just 1 cent a point
- Flights booked with points are nonrefundable
- Double points and hotel perks only on bookings made through Luxury Card’s travel site
At 1 point per dollar, $20,000 of everyday spending earns $400 toward flights or $200 in cash, while the no-fee Wells Fargo Active Cash Card pays $400 in cash, though that card charges 3% on purchases abroad. So the $299 fee buys lounge visits, concierge help, and hotel perks, and the Titanium is worth it only if you’ll use them often.
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