Credit Card Reviews

Luxury CardTM Mastercard® Titanium CardTM: When Style Matters Most

If you're looking for a luxury card but aren't ready for annual fees nearing $1,000, the Luxury Card™ Mastercard® Titanium Card™ may be worth a look.


  • Brushed stainless steel card
  • Strong travel insurance and shopping protection benefits
  • 15 months 0% annual percentage rate (APR) on balance transfers


  • High annual fee
  • High fee for each additional cardholder
  • Unexceptional rewards program

Experian Review

Mastercard offers three products under its Luxury Card™ brand, and despite this card's $195 annual fee, the Titanium Card™ is actually the least expensive. For that amount, you get an attractive brushed stainless steel card and 15 months of interest-free financing on balance transfers. It features valuable benefits, but its rewards are unexceptional considering its luxury status.

Beauty Is Skin Deep

Despite its sleek look, this card offers little else to match the value of competing cards that have annual fees around half the amount of this one. For example, this card offers you 2% of your spending back as airfare redemptions, but just 1% returns if you choose cash back. When cards like the Citi® Double Cash Card can offer 2% cash back on all purchases, anything less than that just doesn't cut it for a premium rewards card.

Valuable Promotional Financing

The 15 months of 0% APR financing on balance transfers is valuable. But if you're focused on paying off debt, you probably should be looking for a more value-conscious way of doing it than getting a luxury card. Non-rewards cards tend to have lower interest rates that will save you more money.

Strong Travel and Purchase Benefits

The strengths of this card are its travel insurance and purchase protection policies, which are the same as its more expensive siblings, including the Luxury Card™ Mastercard® Gold Card™ and the Luxury Card™ Mastercard® Black Card™. These benefits include price protection, theft and damage coverage, extended warranty protection and trip delay insurance. However, you can get all of these features from most rewards cards offered with annual fees of around $95. But if you're willing to pay $195 for the opportunity to flash a nice-looking card, then it may be worth your consideration.