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All comparisons
Head-to-head, 2026

Luxury Card Mastercard Gold Card Luxury Card Mastercard Titanium Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Luxury Card Mastercard Titanium Card

Luxury Card

Mastercard Gold Card

Annual fee
$1,199
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards
  • 1×All other purchases · Luxury Card Rewards

Key benefits

  • Luxury Card Travel hotel benefits · $750
  • $300 annual airline credit · $300
  • 24/7 Luxury Card Concierge · $250
  • $200 Ship&Play credit · $200
  • $200 annual dining credit · $200
Full Luxury Card Mastercard Gold Card review

Luxury Card

Mastercard Titanium Card

Annual fee
$299
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Concierge Service · $250
  • Lyft Monthly Credit · $5
  • Peacock Monthly Discount · $3
  • Mastercard ID Theft Protection · $0
Full Luxury Card Mastercard Titanium Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer