Mastercard Titanium Card
- Annual fee
- $299
- Network
- mastercard
- Type
- personal
Cardholders earn 1 point per dollar spent on all purchases, which can be redeemed for a 2% value on airfare or a 1% value for cash back.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$846 of the advertised value — 77% — comes with strings attached.
- $1,096 advertised across 4 benefits.
- $846 (77%) needs a booking, enrollment, or deadline.
- Biggest credit — Luxury Card Travel Hotel Benefits, $750 — comes with conditions.
- Concierge Service ($250) posts automatically. No hoops.
- No-hoops value covers 84% of the annual fee.
- You'll actually use Luxury Card Travel Hotel Benefits.
- You'll actually use Concierge Service.
- 2× on airfare matches your spend.
- You won't use Luxury Card Travel Hotel Benefits.
- You want the fee covered without chasing — $49 short.
- You'd forget monthly credits.
Earning rates
- Top earnAirfareBooked through LuxuryCardTravel.com2×ptsLuxury Card Rewards
- Top earnHotelsBooked through LuxuryCardTravel.com2×ptsLuxury Card Rewards
On-card benefits & credits
- Luxury Card Travel Hotel Benefits$750/One-time
Book eligible stays through Luxury Card Travel for complimentary benefits averaging $750 per stay at more than 3,000 luxury properties; benefits may include breakfast for two, upgrades, credits, and flexible check-in/out.
- Concierge Service$250/As needed
Around-the-clock concierge assistance is available for personalized travel planning, exclusive tickets, gifting, dining reservations, and VIP experiences.
- Lyft Monthly Credit$5/Monthly
Receive one $5 Lyft credit in a calendar month after enrolling the card and taking three rides paid with it. The offer is stated as valid through January 31, 2027.
- Peacock Monthly Discount$3/Monthly
Receive $3 off Peacock Premium or Peacock Premium Plus each month when paying with an eligible Luxury Card. The offer is stated as valid through December 31, 2027.
- Mastercard ID Theft Protection$0/As needed
Identity monitoring, credit-file monitoring, alert notifications, resolution assistance, and Zero Liability Protection are available at no additional cost after registration.
- MasterRental Coverage$0/Annual
Secondary rental-car coverage applies to covered damage when the entire eligible rental is paid with the card and the rental agency's coverage is declined.
- No Foreign Transaction Fees$0/As needed
International purchases made with the card do not incur foreign transaction fees.
- Travel Assistance$0/Annual
Cardmembers and travel companions can access 24/7 Master Trip Travel Assistance, Medical Assistance, and Master Legal Referral Service while traveling at least 50 miles from home.
- Priority Pass Select Membership$0/Annual
Automatic complimentary Priority Pass Select access includes participating airport lounges and travel experiences, with unlimited visits for the cardmember and guests.
- Airport Meet & Assist$0/One-time
Meet & Assist service offers expedited security screening, terminal-to-aircraft escorts, and arrival or transfer welcome services at more than 500 airports worldwide.
- Mastercard Global Service$0/As needed
Worldwide, 24-hour assistance is available for lost or stolen card reporting and emergency card replacement.
- Cell Phone Protection$0/As needed
Pay the monthly mobile-phone bill with the Luxury Card to activate eligible damage or theft coverage for the phone's repair or replacement cost.
- Baggage Delay Insurance$0/As needed
- Trip Cancellation and Interruption Insurance$0/As needed
Secondary coverage reimburses nonrefundable round-trip expenses up to $5,000 per insured person when a covered accidental event causes cancellation or interruption for a covered reason.
- Travel Accident Insurance$0/As needed
Provides up to $250,000 of eligible common-carrier accidental death and dismemberment coverage when the entire travel fare is charged to the card.
- Priceless Golf Access$0/Annual
Access more than 1,000 private country clubs in North America, including TPC courses and booking opportunities at Pebble Beach Resort; separate booking terms may apply.
Other Luxury Card cards
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