Mastercard® Titanium Card™
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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.

Our Rating
3.0/5.0
Welcome Offer
None
Annual Fee
$195
0% Intro on Purchases
N/a
Reward Rate
1x points
0% Intro on Balance Transfers
15 months
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
Benefits | Cell Phone Protection, ShopRunner, 24/7 customer service |
Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
Annual Fee | $195 ($95 for each authorized user added to the account) |
Foreign Transaction Fee | 0% of each transaction in U.S. dollars |
Regular APR | 21.24%, 25.43% or 28.24% (V) APR |
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 21.24%, 25.43% or 28.24%(V) APR after that. |
Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
Insurance
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
Rating
4.9
Rewards Range
2x - 10x
Annual Fee
$395

Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
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$95

Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95