Mastercard® Titanium Card™ Review

By: Heather Hanks Jul. 19, 2019

The Mastercard® Titanium Card™ is an affordable way to get cashback and airfare redemption for your lifestyle. Whether you’re a small business owner or just someone who likes to spend time in the sky, this card has got you covered. It provides 2% airfare and 1% cashback redemption to blow away the competition. Using a personal card for business can be a great choice, especially if you want to float your business spend and get additional cashback on every purchase.

Most credit cards are designed to be good at one thing, this card allows you to reduce the number of credit reports each month by offering a variety of rewards and benefits. With innovation, value and service domestically and internationally this card can easily be the only card you need.

With a low annual fee of $195, the Mastercard® Titanium Card™ is one you can’t afford to miss. You’ll enjoy a stainless steel card design with money-saving capabilities that your wallet can feel. Cardholders also qualify to receive special members-only awards. Check out our Mastercard® Titanium Card™ review below and find out how you can save big on your travels.

Mastercard® Titanium Card™

Overall Rating

What is the Mastercard® Titanium Card™?

The Mastercard Titanium Card is one of three premium metal credit cards in the Luxury Card portfolio. It provides twice the amount of airfare redemption rewards as other cards in its class. This makes it the perfect card to travel with if you’re going to be flying anyway. The Mastercard® Titanium Card™ also offers 1% cash back on all purchases you make. This means you’re guaranteed to save money each time you use your card.

The Luxury Card line features an upscale service and high-quality product line. They’ve taken the time to express this when they make each and every card. You’ll notice as soon as your card arrives that it comes in a quality custom box with a cherry wood tray. When you open the box, you’ll see a variety of flashcards to tell you about your new card. You’ll also learn about your Luxury Card rewards program.

Here are some other perks of using the Mastercard Titanium Card:

  • Unique brushed stainless steel card design weighs 22 grams
  • 2% value for airfare redemption
  • 1% cash back redemption value
  • 24/7 access to Luxury Card Concierge® via email, mobile chat, or phone
  • Exclusive card holder travel benefits through Luxury Card Travel®
  • You’ll earn one point per dollar spent on your card
  • Points can be redeemed for statement credit at a rate of 1%
  • Enjoy free drinks and food, spa and resort credits, room upgrades, and more through Luxury Card Travel® (For example, Just in NY, there are 19 high-end hotels that participate in the VIP program that offers perks/credits - Park Hyatt, The Surrey, The Plaza, The Pierre, the Carlyle).
  • Access to members only Luxury Card Magazine®
  • Luxury Gift Program

Your card box will also include a free Luxury Card utility pad made from handcrafted leather to be used as a mousepad or jewelry rest. Each Mastercard Titanium card features a brushed stainless steel front and carbon back for durability and distinction. The best part about the card is that you’ll earn points each time you use it. According to the Luxury Card website, the Mastercard Titanium Card 2% value redemption is the best in the business. Your 1% value redemption for cash back can either be applied to your credit or deposited into your bank account.

When you sign up for the Mastercard Titanium Card, you become part of Luxury Card’s elite family. They provide a 24/7 complimentary concierge service to meet all of your needs and answer any questions around the clock. You can connect with a luxury card service representative via chat, phone or email. We also like that you have 24/7 access to your account through an online portal any time of day or night.

How Does Mastercard® Titanium Card™ Work?

The Luxury Card line works by allowing you to earn one point for each dollar you charge to your Mastercard Titanium Card. You can redeem these points for various travel related expenses. You’ll get 2% redemption value that can be used toward future airfare. You’ll also get 1% redemption value for cash back on purchases you make with your card. Use the money you get back to fund your next trip. Your points can help you pay for your flight, hotel, baggage fees, car rentals, dining, and more.

The best part is that there is no limit to how many points you can earn. The more you spend, the more you’ll be rewarded. You can visit the Luxury Card website to see how much money you’ll get back when you apply your average spending values. For example, someone who spends $1,000 per month using their Mastercard Titanium Card will qualify for $120 in annual cash back redemption or $240 for annual airfare redemption.

Here is the pricing breakdown of the Mastercard Titanium Card:

  • Annual fee of $195 for primary account holder and $95 for each authorized user
  • 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 16.74%. This APR will vary with the market based on the Prime Rate.
  • Introduction balance transfer duration is for the first 15 billing cycles after each balance transfer that you post to your account (this must be done within 45 days of opening the account)
  • Cash advance fee is $10 or 5% of the cash advance, whichever is more
  • Cash advance APR is influenced by the Prime Rate and is currently 26.99%

Redeeming your points is simple. You will earn one point for every dollar you spend on your card. Remember that there is no limit on points you can earn as long as your account is in good standing. Your points can be used at a value of 2% when redeeming for airfare. To redeem your points, go to myluxurycard.com. You can also redeem your points by calling customer service. This number should be listed on the back of your Mastercard® Titanium Card™. If you have questions about how to redeem your points, be sure to consult Cardmember Care assistance. Someone at Cardmember Care should be able to help you immediately!

What Does Mastercard® Titanium Card™ Offer?

As a Mastercard® Titanium Card™ holder, the points system speaks for itself. Most people find that getting a 2% value back on their airfare is enough reason to become a member. This alone makes the $195 annual fee worth it, especially if you fly a lot. But you’ll also enjoy free amenities just for being a card holder. These include free food and drinks while traveling, credits toward spa and resort stays, and room upgrades when available.

The Mastercard® Titanium Card™ is a good long term credit card that isn’t frontloaded and keeps giving back year after year. Sometimes it is hard to understand just how important redemption can be. Luxury Card’s website has a very helpful tool that calculates how much cash back or airline redemption you would earn in a year based on your monthly spend. You can view the calculator here.

As a Mastercard® Titanium Card™ holder, you can rest easy knowing that your card blows the competition away. This is especially true when it comes to airfare redemption. Most cards only offer 1.5% airfare redemption at most. The Mastercard® Titanium Card™ offers more redemption value than the Chase Sapphire Card, the Citi Prestige Card, and the American Express Platinum Card. The cash back value of 1% offered by the Mastercard® Titanium Card™ is standard among its competitors. For this reason, you’ll want to make sure you are using your card mainly to purchase airline tickets if you want to get the most value from it.

In addition to 2% airfare redemption, here is a complete list of other perks you’ll receive as a Mastercard® Titanium Card™ holder:

Brushed stainless steel card design

2% airfare redemption and 1% cash back redemption when you use your card for travel expenses

You’ll earn one point for every dollar you spend

24/7 Luxury Card concierge via phone, chat and email

Exclusive card holder benefits such as room upgrades, free food and drinks, and spa and resort credit through Luxury Card Travel®

Access to members only Luxury Card Magazine

Low annual fee (this includes for authorized users, too)

No foreign transaction fee for US currency

Your 24/7 concierge service does more than just help you with your account. There is a dedicated team of professionals standing by to help you discover what you can do with your card. They can help you get tickets to the next sporting game or other entertainment events. You can use your Luxury Card App anytime to access your account or chat with concierge or to make future travel arrangements.

The Luxury Card App is an industry-first platform where you can live chat with concierge agents 24/7. Through the App, you can also access your account, browse Luxury Card Experiences along with other exclusive services.

The Mastercard® Titanium Card™ : Pros and Cons

Your Mastercard® Titanium Card™ features some of the best travel rewards in the world. You'll get an average of $500 worth of benefits per vacation stay at over 3,000 partner properties around the world. Each Luxury Card Travel property has unique benefits exclusive to Cardmembers, including spa credits, food & beverage perks, welcome gifts, early check-in and check-out, room upgrades when available, and more. You can learn more about your travel, real estate, cars, and more through the Luxury Card members only Magazine. Use your concierge to book your future travels and safe big by racking up points.

But some people don’t like the high interest rate or the $195 annual fee tied to the card. We think that it’s a small price to pay for being a member, especially if you travel by air a lot. Others don’t think that the 1% cash back value isn’t much to write home about since other cards offer the same. Here are some things we like and don’t like about the Mastercard Titanium Card.

Mastercard® Titanium Card™ PROS

  • 2% airfare redemption rate is nearly twice the value as most competitors
  • 1% cash back value that can be applied toward statement credit or deposited directly into your bank account
  • You’ll earn one point for every dollar you spend on your card
  • 24/7 concierge service that allows you to book flights, inquire about special events, and ask for help with your account via email, chat or phone
  • You’ll enjoy card holder amenities such as free food and drinks, room upgrades, and credit toward spa and resorts
  • Free quarterly Luxury Card members only magazine
  • Stainless steel card design with carbon back

Mastercard® Titanium Card™ CONS

  • High interest rates and annual fees top the list of possible cons associated with the Mastercard Titanium Card. But keep in mind that other cards offer similar annual fees without as many redemption opportunities. You can’t do much about the interest rates, which are highly influenced by the Prime Rate. The $195 annual fee is a small price to pay for 2% airfare redemption if you spend a lot of time flying. You’ll make your money back before you know it.

All Luxury Card products are part of the Mastercard World Elite network, Mastercard’s highest benefits level. New World Elite benefits include exclusive discounts from Lyft, Fandango, Boxed, Postmates, Shoprunner and OnefineStay:

Postmates

Postmates provides on-demand delivery from over 200,000 restaurants and stores across the United States. Receive $5 off eligible purchases of $25 or more when you use your eligible Luxury Card to order through Postmates.

Boxed

Boxed makes shopping for bulk items easy and convenient. Create a Boxed account and use your Luxury Card to earn 5% cash rewards on eligible Boxed orders for use on future purchases.

Onefinestay

Provides access to over 10,000 high-end rental homes around the world. The local guest services team welcomes you at the home and is available 24/7. Each home is stocked with high quality sheets, towels and toiletries. Cardholders receive a 10% discount on all onefinestay bookings. You will also receive free Wifi and a complimentary iPhone, with free local calls and data, to use during your stay.

Lyft

Enroll and take 5 eligible rides in a month using your Luxury Card and get a $10 Lyft credit. Keep riding to earn credit month after month.

Fandango

Use your Luxury Card World Elite Mastercard to purchase movie tickets through Fandango and earn up to 500 Fandango VIP + points, to be redeemed for $5 in Fandango movie tickets.

ShopRunner

Receive free 2-day shipping and free return shipping on eligible purchases when you sign up for a free ShopRunner membership with your Luxury Card.

Ongoing Mastercard benefits include:

  • $0 Fraud Liability Protection: Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online. As a Cardmember, you are not responsible in the event someone makes unauthorized purchases with your card.

  • Travel Accident Insurance: As a Luxury Card member, you and your family will be automatically insured up to $250,000 against accidental loss of life or dismemberment if you purchase your common carrier travel tickets with your eligible Luxury Card.

  • Baggage Delay Insurance: If checked baggage on a common carrier flight is delayed in transit for tickets purchased using an eligible Luxury Card, you will be reimbursed for the cost of replacing essential personal or business items.

  • Global Acceptance: For your convenience, Luxury Card is accepted at 8 million domestic retailers and is part of an operating network in more than 210 countries and territories.

  • No Foreign Transaction Fees: Enjoy greater freedom with no foreign transaction fees on purchases made while traveling abroad.

  • Global Assistance Service: Emergency assistance is available to you anytime, anywhere and in any language. This includes worldwide, 24-hour assistance with lost or stolen cards, obtaining an Emergency Card Replacement or Emergency Cash Advance.

  • Trip Cancellation and Interruption: If your covered trip is canceled or interrupted due to a covered reason, this benefit can reimburse you up to $5,000 per trip and $10,000 per 12-month period. Coverage is secondary to any other applicable insurance or benefit available to you, including benefits offered by the Travel Provider. Additional terms and conditions apply.

How To Apply Mastercard® Titanium Card™

To apply for the Mastercard® Titanium Card™, you’ll need to visit the website and click on the Apply Now butter. You’ll be taken to a page that highlights some of the key benefits to being a card holder. These include:

  • Brushed stainless steel card design
  • Luxury Card rewards program
  • 2% value for airfare redemptions and 1% value for cash back redemptions
  • 24/7 Luxury Card concierge via phone, chat and email

You will need to include the following information on your application:

Your full name

Permanent address

How long you’ve been at your permanent address

Contact information including primary phone, work phone and email address

Employment and financial information such as occupation, total gross income, and bank account status

Residence status (own, rent, other)

Security information such as date of birth, social security number, and mother’s maiden name

Before you can submit your information, Mastercard wants to make sure you understand the following terms and conditions about the Titanium card:

  • APR of 16.74%
  • APR for cash advances 26.99%
  • The annual fee is $195 for primary card holders and $95 for authorized users
  • Balance transfers are $5 or 3% of the transfer
  • Cash advances are $10 or 5% of the cash advance
  • Late payments or returned payments are charged up to $37, depending on the state
  • There is no interest on purchases that are paid within 23 days of the close date on each bill. If you are charged interest, it will be around $0.50.

Ready to Apply?

Apply for the Mastercard® Titanium Card™ now and get a response in 60 seconds

Mastercard® Titanium Card™

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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