Mastercard® Titanium Card™
Mastercard® Titanium Card™
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Mastercard® Titanium Card™See Rates & Fees
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Mastercard® Titanium Card™

Our rating:2.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Excellent

Credit Recommended (740-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Reward Rates
1 point1 point for every $1 spent on all purchases
Balance Transfers Intro APR
0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Purchases Intro APR
N/A
Regular APR
20.49% to 28.49% Variable APR on purchases and balance transfers
Annual Fee
$195 ($95 for each Authorized User added to the account)

Highlights

  • Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardholders also receive protection benefits that exceed those of standard credit cards.
  • Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
  • 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Airline
    Airline
  • Cellphone Insurance
    Cellphone Insurance
  • Concierge Service
    Concierge Service
  • Excellent Credit
    Excellent Credit
  • Hotel
    Hotel
  • No Foreign Transaction Fees
    No Foreign Transaction Fees

Staff Review

Editor's Rating:

2.5 out of 5

Our take: The rewards earning rate on the Mastercard Titanium Card is low and it doesn’t offer a sign-up bonus, but cardholders can at least enjoy some of the luxury card program’s unique luxury perks at a relatively affordable $195 fee.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.