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Luxury Card™ Mastercard® Titanium Card™

in Personal Credit Cards from Barclays Bank

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Luxury Card™ Mastercard® Titanium Card™

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in Personal Credit Cards from Barclays Bank

SuperMoney Net Recommendation Score +71

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +71, equating to 4.4 on a 5 point rating scale.

+71

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

5 users recommend
2 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 700 - 850
Annual Fee $195
Number of Reviews 7

Luxury Card™ Mastercard® Titanium Card™ Review

This is a rewards credit card issued by Barclays Bank. If you're wondering whether Mastercard Titanium card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
  • Competitive APRs. Luxury Card™ Mastercard® Titanium Card™ has a variable purchase APR of 14.99%
  • 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. After the introductory period, the fee is 3%. 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.
  • Lower than average purchase APRs.
  • 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 purchases everywhere Luxury Card™ Mastercard® Titanium Card™ is accepted.
  • Luxury Card™ Mastercard® Titanium Card™ reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • 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 Spend Requirement $0

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?

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. It has lower than average regular APRs.

It has a variable purchase APR of 14.99%. The card has a variable balance transfer APR of 14.99% . It also has a variable cash advance APR of 25.24% .

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 up to 15 months.

Luxury Card™ Mastercard® Titanium Card™ Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period 45 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 14.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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?

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 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.

What is the customer service phone number for Mastercard Titanium card?

The Mastercard Titanium card customer service number is (888) 710-8756.

What is the support contact email for Mastercard Titanium card?

The support contact email for Mastercard Titanium card is online@barclaysus.com.

How do people rate the customer service and user experience of Mastercard Titanium card?

Overall, Mastercard Titanium card is strongly recommended based on community reviews that rate customer service and user experience.

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.

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 Barclays Bank

Enjoy the industry's best airline redemption rates and luxury concierge services. Our luxury concierge services are not just for travel, but reservations, recommendations, questions, and research. No limit or charges for booking directly through the concierge, available anytime, anywhere. A truly global 24/7 personal assistant.

Contact

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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View all personal credit cards offered by Barclays Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1% on every purchase. - 2% value for airfare redemptions. - 1% value for Cash Back Redemptions
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $195
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Additional Card Fee Amount $95
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
No Blackout Dates
Rewards Rates
  • Airfare
  • Hotels
  • Every Purchase
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance
Purchase APR (Variable APR) 14.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Intro Period 45 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
Card Network Mastercard

Luxury Card™ Mastercard® Titanium Card™ Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +71, equating to 4.4 on a 5 point rating scale.

+71

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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