Luxury Card™ Mastercard® Titanium Card™

Luxury Card is an Experian Partner

Luxury Card™ Mastercard® Titanium Card™
  • Rewards

  • 0% Intro APR

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Very Good - Exceptional

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  • Annual fee


  • Intro APR

    0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening

  • Ongoing APR

    21.24%, 25.43% or 28.24% Variable. Based on your creditworthiness.

  • Ongoing Balance Transfer APR

    21.24%, 25.43% or 28.24% Variable. Based on your creditworthiness.

Card details:
  • Brushed stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • 0% intro APR for 15 billing cycles on balance transfers that are made within 45 days of account opening. After that, the APR will be 21.24%, 25.43% or 28.24%, based on your creditworthiness. There is a fee for balance transfers.
  • Cell phone protection for eligible claims of up to $1,000 each year. World Elite Mastercard benefits include exclusive discounts from McAfee, Lyft, Fandango, DoorDash, ShopRunner and Priceless Golf. Additional benefits include Mastercard ID Theft Protection™ and more. Additional terms & conditions apply.
  • Peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident, baggage delay and more.
  • Brushed metal card
  • Strong travel insurance and shopping protection benefits
  • Intro APR for new cardholders
  • High annual fee
  • High fee for each additional cardholder
  • Unexceptional rewards program

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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