Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Titanium Card™

on Luxury Card's website

Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Titanium Card™

on Luxury Card's website

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Card details

  • Ideal for those seeking an introductory premium travel card that provides exceptional airfare redemption, access to hotel privileges and elevated service beyond the ordinary. Find peace of mind with protection benefits that exceeds standard credit cards.

  • 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. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low 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.

  • Members-only LUXURY MAGAZINE®.

  • 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.

Rates, fees & offers

  • Annual fee

    $195

  • Rewards rate

    1x

  • Bonus offer

    None

  • Intro APR

    0% intro APR on Balance Transfers for 15 billing cycles

  • Ongoing APR

    APR: 21.24%, 25.43% or 28.24%, Variable APR

    Cash Advance APR: 30.49%, Variable APR

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$195

Annual fee

$99

Annual fee

$199

Regular APR

21.24%, 25.43% or 28.24%, Variable APR

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Balance Transfers for 15 billing cycles

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin Hurd

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

2.3

Editor's overall rating

Pros and cons

Pros
  • Luxury perks

  • Intro APR period

Cons
  • Has annual fee

  • Low rewards rate

  • No new cardholder bonus offer

If you want to impress your friends with a weighty card when you pay for dinner, the Luxury Card™ Mastercard® Titanium Card™ will certainly add some flash.

The metal card carries a $195 annual fee, but you’ll get some luxury travel benefits like Priority Pass Select membership, credit for Global Entry or TSA Precheck application fee, 24/7 concierge access and even an airport escort.

You’ll earn 1 point per dollar spent on the card, with points being worth 2 cents apiece for airfare redemptions and 1 cent apiece for other redemptions.

For more information, see a closer look at this card.