Credit Cards»Mastercard»Mastercard® Titanium Card™
Mastercard® Titanium Card™
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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 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
2%2% value for airfare redemption with no airline or seat restrictions and no blackout dates.
1%Flat-rate redemption value of 1% for cash back.
1XEarn one point for every one dollar spent.
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
21.24%, 25.43% or 28.24%
Annual Fee
$195 ($95 for each Authorized User added to the account)


  • 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, incure 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.


  • Auto Rental Insurance
    Auto Rental Insurance
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Good Credit
    Good Credit
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Points
  • Private Jet Access
    Private Jet Access
  • Rewards
  • Roadside Assistance
    Roadside Assistance
  • Travel
  • Travel Accident Insurance
    Travel Accident Insurance
  • Travel Assistance
    Travel Assistance
  • Trip Cancellation Insurance
    Trip Cancellation Insurance
  • Unsecured credit card
    Unsecured credit card
  • World Elite Mastercard®
    World Elite Mastercard®
  • Zero Fraud Liability
    Zero Fraud Liability

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 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.