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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

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Highlights
Highlights
Purchase APR  (Variable APR) 14.99%
Balance Transfer APR  (Variable APR) 14.99%
Credit Score Range 700 - 850
Annual Fee $195

Luxury Card™ Mastercard® Titanium Card™ Review

Luxury Card™ Mastercard® Titanium Card™ is a cashback credit card issued by Barclays Bank. If you're wondering whether Luxury Card™ Mastercard® Titanium Card™ is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • 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 up to 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 up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Luxury Card™ Mastercard® Titanium Card™ Pros and Cons:

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)
  • 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.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Luxury Card™ Mastercard® Titanium Card™ reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • 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.

Is there a Luxury Card™ Mastercard® Titanium Card™ cash back or rewards program?

Luxury Card™ Mastercard® Titanium Card™ is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Luxury Card™ Mastercard® Titanium Card™ you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Luxury Card™ Mastercard® Titanium Card™ Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

Does Luxury Card™ Mastercard® Titanium Card™ have a signup bonus?

Luxury Card™ Mastercard® Titanium Card™ doesn't offer a cash signup bonus.

Does Luxury Card™ Mastercard® Titanium Card™ offer an annual loyalty bonus?

Luxury Card™ Mastercard® Titanium Card™ doesn't offer a cash loyalty bonus.

What are the Luxury Card™ Mastercard® Titanium Card™ benefits?

Luxury Card™ Mastercard® Titanium Card™ 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
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Luxury Card™ Mastercard® Titanium Card™?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Luxury Card™ Mastercard® Titanium Card™ has lower than average purchase APRs.

Luxury Card™ Mastercard® Titanium Card™ 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 Luxury Card™ Mastercard® Titanium Card™ have an introductory APR offer on balance transfers?

Yes, Luxury Card™ Mastercard® Titanium Card™ offers an introductory 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 APR 14.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) 45
Balance Transfer Fee Minimum $5

Does Luxury Card™ Mastercard® Titanium Card™ have an introductory APR offer on new purchases?

Luxury Card™ Mastercard® Titanium Card™ does not offer an introductory rate on new purchases.
Luxury Card™ Mastercard® Titanium Card™ Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Luxury Card™ Mastercard® Titanium Card™?

The following fees apply to Luxury Card™ Mastercard® Titanium Card™:

Luxury Card™ 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™ have a foreign transaction fee?

Luxury Card™ Mastercard® Titanium Card™ does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit.

How to apply for Luxury Card™ Mastercard® Titanium Card™

  • Visit the Luxury Card™ 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

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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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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • 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
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
No Blackout Dates  
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance
Purchase APR (Variable APR) 14.99%
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%

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