Mastercard® Titanium Card®
- Annual fee
- $299
- Earn rate
- 2Xon airfare & hotels via LuxuryCardTravel.com, 1X elsewhere
- Redemption value
- 2% / 1%airfare / cash back redemptions
- Foreign transaction fee
- 0%
Earns 2X on airfare & hotels via LuxuryCardTravel.com and 1X elsewhere, with points worth 2% redeemed for airfare or 1% redeemed for cash back.
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This is the tier to look at if airport access matters more to you than earn rate. A point is worth 1% redeemed for cash back or 2% redeemed for airfare, so the return on everyday spending is modest by design. What the $299 buys is lounge access that covers your guests as well as you, plus a concierge you can reach at any hour. That suits someone who flies a few times a year with company and would rather not pay per guest at the door.
Beyond the points: Built for benefits over raw earn rate: Priority Pass Select lounge access with unlimited guest visits, 24/7 concierge, and Luxury Card Travel perks averaging $750 per stay at 3,000+ properties, none of which show up in a points-only ranking.
Rewards Breakdown
| Category | Earn | Details |
|---|---|---|
| Airfare & hotels via LuxuryCardTravel.com | 2X points | Unlimited |
| All other purchases | 1X points | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Redemption value
- 2% redeemed for airfare
- 1% redeemed for cash back
What that looks like
Spend $2,500 on airfare & hotels via LuxuryCardTravel.com and you earn 5,000 points. Redeem them for cash back and that is $50. Redeem them for airfare and it is $100.
Earn terms
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- 2% Value for Airfare Redemptions
- 1% Value for Cash Back Redemptions
- Terms and Conditions Apply
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Luxury Card Mastercard Titanium Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Luxury Card Mastercard Titanium Card?
The Luxury Card Mastercard Titanium Card has an annual fee of $299.
What is the sign-up bonus for the Luxury Card Mastercard Titanium Card?
The Luxury Card Mastercard Titanium Card does not currently offer a sign-up bonus.
Does the Luxury Card Mastercard Titanium Card charge foreign transaction fees?
No, the Luxury Card Mastercard Titanium Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Luxury Card Mastercard Titanium Card?
Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend. Terms and conditions apply.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.
The Luxury Card trademarks are property of Barclays Lifestyles LLC. TITANIUM CARD is a registered trademark used under license. Luxury Card products are issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated, owner of the registered trademarks Mastercard, World Elite Mastercard, and the circles design. All trademarks are the property of their respective owners. © 2026 Barclays Lifestyles LLC