Is Mastercard® Titanium Card® the right fit for you?
Last Updated: 04/21/2026
SuperMoney User Recommendation Score +47
Mostly recommended15 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.49% - 27.49%(Verified 04/15/2026)
Disclaimer popup with additional information
Credit Score Range
740 - 850
Annual Fee
$299
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Number of Reviews
Mastercard® Titanium Card® Review
This is a travel card issued by Barclays Bank. If you're wondering whether Mastercard® Titanium Card® is the right card for you, read on.
Key Takeaways
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months. 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) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.49% up to 27.49%.
- A 5% balance transfer fee. Mastercard® Titanium Card® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Mastercard® Titanium Card®
| The Good | The Bad |
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Mastercard® Titanium Card® FAQ
Does Mastercard® Titanium Card® have a cash back or rewards program?
Mastercard® Titanium Card® is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | Up to 2 x points (Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points (1% on cash redemptions.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Titanium Card® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Mastercard® Titanium Card® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Mastercard® Titanium Card® benefits?
Mastercard® Titanium Card® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Mastercard® Titanium Card®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Mastercard® Titanium Card® has a variable purchase APR that ranges from 19.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 19.49% up to 27.49%. It also has a variable cash advance APR of 29.74% .
Does Mastercard® Titanium Card® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months. 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) the APR will be 19.49% to 27.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.49% - 27.49% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | 5% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Mastercard® Titanium Card® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Mastercard® Titanium Card®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $299 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $149 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $299.
Does Mastercard® Titanium Card® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.How do people rate the customer service and user experience of Mastercard® Titanium Card®?
Overall, Mastercard® Titanium Card® is mostly recommended based on community reviews that rate customer service and user experience.
Does Mastercard® Titanium Card® report your account activity to credit bureaus?
Yes, Mastercard® Titanium Card® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Mastercard® Titanium Card® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Mastercard® Titanium Card®
- Visit the website of Mastercard® Titanium Card®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Mastercard® Titanium Card®'s published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Mastercard® Titanium Card®
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Purchase APR
19.49% - 27.49%
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Balance Transfer APR
19.49% - 27.49%
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Credit Score Range
740 - 850
300
850
Annual Fee
$699
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Mastercard® Gold Card™
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Purchase APR
19.49% - 27.49%
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Balance Transfer APR
19.49% - 27.49%
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Credit Score Range
740 - 850
300
850
Annual Fee
$1.2K
Disclaimer popup with additional information
Purchase APR
16.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
18.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
17.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 740
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 28.74%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$75
SuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +47, or 3.9 on a 5-point rating scale.
+47
-1000+100
No one recommends
Everyone recommends
Mastercard® Titanium Card® Community Reviews
Would you recommend Mastercard® Titanium Card® to your friends?
U
Anonymous
May 6, 2023
May or may not recommend
Very happy i have no word thank you LORD JESUS and i am here
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I strongly recommend this card because of its low purchase APRs and its access to a concierge. I'm used to traveling a lot and with this card I get the benefit of no foreign transaction fee. It's amazing. It's easy to get and once you get used to it I know you'll love it.
TT
Torbjorn T.
Oct 16, 2022
May or may not recommend
looks plain. But i heard they have nice people in customer service that's a good thing.
SZ
Shelby Z.
Sep 15, 2022
May or may not recommend
No loyalty or sign up bonus. They don't accept low credit so it's not a card for everyone. I would avoid it if you carry a balance. They partnered with Lyft which is great for me as I use the service on a daily basis.
U
Anonymous
Aug 19, 2021
May or may not recommend
The card looks plain-no logo, no scripted brand name...very juvenile. No sign-up bonus, points earning rate is sub-par, redemption rate is sub-par, and no travel partners. No contactless payment, no lounge access, and most of the benefits are standard for all mastercards. Also, it's ridiculous that it's not a charge card. My AmEx gold and platinum cards are far better in every way.
Andrew H.
Aug 12, 2021
May or may not recommend
Very expensive annual fee. May be worth shopping around a little bit.
WM
William M.
Jul 23, 2021
May or may not recommend
If you are a traveler this is a nice card! This card has travel accident and travel assistance insurance and trip cancellation insurance. I am very happy I had this card when I had to cancel trips due to COVID. There are also no foreign transaction fees like I had with my last card so you don't have to budget for extra fees when you are abroad.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I strongly recommend this card because of its low purchase APRs and its access to a concierge. I'm used to traveling a lot and with this card I get the benefit of no foreign transaction fee. It's amazing. It's easy to get and once you get used to it I know you'll love it.
Boris N.
Jun 5, 2021
May or may not recommend
Their APR is pretty good compared to industry competitions. But their credit Score Range 700 - 850 is way to high for most people
AA
Adam A.
Jun 3, 2021
May or may not recommend
The rewards are great, customer service is great and having the option to spend money whenever and however is also great, I highly recommend it!
RC
Robert C.
May 6, 2021
May or may not recommend
Amazing card with great customer service . I am very happy I made the choice to go with this credit card. No regrets whatsoever. i so much in love with it . I have had it for long and it offers excellent Luxury services without an outrageous up front cost.
LD
Layla D.
Apr 23, 2021
May or may not recommend
Nothing makes you happier as able to purchase what you want at the time you need it. Over the years, I have been disappointed with so many credit cards. But not this.
RH
Rana H.
Jan 21, 2021
May or may not recommend
For starters, this is the most affordable option out of all of Mastercard's line of luxury credit cards. I recently figured out though, that you can get the same amount of perks and reward rates from cheaper cards. However, if you do invest in it, the biggest pros are that your points don't expire, and there are no blackout dates!
GR
Gaby R.
Nov 5, 2020
May or may not recommend
I've never had a credit card that has a better cashback system! It's also a very thick card physically which, I'm not going to lie, makes me feel really cool haha. I also travel a lot so the 2% cash back on airline redemptions is amazing! It feels like I really found the perfect card that checks off a lot of the boxes I was looking for. Definitely would recommend
Emma D.
Oct 24, 2020
May or may not recommend
This luxury card is amazing! I use it for all my major purchases. I love how they give a reward on every purchase I make using this card. This card is my most trusted shopping companion. Swiping my card has never been more fun. This card is a great option for people who like to receive rewards whenever they spend.
Showing 15 of 15 reviews
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