Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Titanium Card™ Review

This is a rewards card issued by Barclays Bank. If you're wondering whether Mastercard Titanium card is the right card for you, read on.

Key Takeaways

• LYFT Rewards. Enroll and take three eligible Lyft rides in a month using your Luxury Card and get a $5 Lyft credit. Keep riding
• Use your Luxury Card to sign up for DashPass as a new member to get three (3) complimentary months of membership. After the DashPass trial period ends, new members will automatically be charged the current monthly DashPass rate, plus any applicable fees.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• 2% value for airfare redemptions. 1% value for cash back redemptions.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 19.99%
• 3% Balance transfer fee. Luxury Card™ Mastercard® Titanium Card™ charges a fee of 3% on balance transfers, if you transfer the balance within 45 days of opening the account. For example, a balance of $1,000 could cost $30 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Mastercard Titanium card

The Good

The Bad

Brushed Stainless Steel – Patented Card Design 2% value for airfare redemptions. 1% value for cash back redemptions. 24/7 Luxury Card Concierge available by phone, email, and mobile chat. Exclusive Luxury Card Travel Benefits Members-Only LUXURY MAGAZINE Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply. 0% APR balance transfer intro rate on balance transfers for up to 15 months. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Luxury Card™ Mastercard® Titanium Card™ reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee of $195 Does not offer a signup bonus. Charges a 3% balance transfer fee, if you transfer the balance within 45 days of opening the account. After the introductory period, the fee is 3% of the balance transferred or $5, whichever is greater.

Mastercard Titanium card FAQ

Does Mastercard Titanium card have a cash back or rewards program?

Mastercard Titanium card is a travel rewards card.

Mastercard Titanium card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus Spend Requirement	$0

What are the Mastercard Titanium card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Luxury Card™ Mastercard® Titanium Card™ has a variable purchase APR of 19.99%. The card has a variable balance transfer APR of 19.99% . It also has a variable cash advance APR of 30.24% .

What are the fees for Mastercard Titanium card?

The following fees apply:

Mastercard Titanium card Fees

Fees	Amount
Annual Fee	$195
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Luxury Card™ Mastercard® Titanium Card™ report your account activity to credit bureaus?

Yes, Luxury Card™ Mastercard® Titanium Card™ reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Mastercard Titanium card

• Visit the Mastercard Titanium card website.
• 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.