Luxury Card™ Mastercard® Titanium Card™

Luxury Card is an Experian Partner

Luxury Card™ Mastercard® Titanium Card™ Apply Now
  • Rewards

  • 0% Intro APR

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Very Good - Exceptional

Get your FICO Score for free
  • Rewards

    Rewards, Cash back, Rewards Points

  • Annual fee

    $195

  • Intro APR

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

  • Ongoing APR

    14.99% Variable

  • Balance transfer

    14.99% Variable

Card details:
  • Patented brushed stainless steel front and carbon back—weighing 22 grams
  • 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.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Reach out to manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, amenities, room upgrades and complimentary food and beverages) at over 3,000 properties.
  • Luxury Card Travel Rates & Benefits
  • Members-Only LUXURY MAGAZINE
  • 0% intro APR for 15 billing cycles on balance transfers posted within 45 days of account opening. After that, the APR will be 14.99%, a variable rate based on the Prime Rate.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus Lyft credits, ShopRunner membership, Fandango perks and more.
Rates and fees
Pros:
  • Brushed stainless steel card
  • Strong travel insurance and shopping protection benefits
  • Intro APR for new cardholders
Cons:
  • 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.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer versions 10.0 and below. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.