Mastercard® Titanium Card™

The Mastercard® Titanium Card™ is a metal travel card designed for those who want the look of a luxury credit card. There is no welcome offer, and the rewards are lower than average for a card with such a high annual fee. There is no airport lounge access, nor is there any TSA PreCheck or Global Entry credits.

One positive is that if you redeem your points for airfare they’re worth about 2 cents each, with no seating restrictions or black out dates. There are some nice travel benefits as well. We dive into the details and your approval odds in this Mastercard Titanium review.

Mastercard Titanium Card

Our Rating


Welcome Offer


Annual Fee


0% Intro on Purchases


Reward Rate

1x points

0% Intro on Balance Transfers

15 months

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsCell Phone Protection, ShopRunner, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance


1x points
All eligible purchases
Earn 1 point for every $1 spent on Net Purchases using your Account. Get 2% value for airfare redemptions.

Interest Rates & Fees

Annual Fee$195 ($95 for each authorized user added to the account)
Foreign Transaction Fee0% of each transaction in U.S. dollars
Regular APR21.24%, 25.43% or 28.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 21.24%, 25.43% or 28.24%(V) APR after that.
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.


Trip Cancellation and Interruption Insurance

Secondary coverage on round-trip purchases. Collect up to $5,000 per insured person to recover losses from interrupted or canceled trips. Restrictions, limitations and exclusions apply.

Cell Phone Insurance

Simply pay for your mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with yearly coverage should your phone need certain repairs or is stolen.

Lost Baggage Insurance

Once bags are more than four hours late to your travel destination, Cardmembers can claim up to $100 a day in reimbursement payment of covered items for the inconvenience. Restrictions, limitations and exclusions apply.

Car Rental Loss and Damage Insurance

Secondary coverage for damages to an eligible rental vehicle when you pay for the entire rental using your card and decline the coverage offered by the rental agency. Restrictions, limitations and exclusions apply.

Pros & Cons

  • No foreign transaction fee
  • Points are worth 2 cents each if you redeem them for airfare
  • Annual fee
  • No welcome bonus
  • High APR
  • Requires excellent credit

What Are the Best Alternatives?

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card



Rewards Range

2x - 10x

Annual Fee


Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card



Rewards Range

1x - 5x points

Annual Fee


Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card



Rewards Range

2x - 5x miles

Annual Fee


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