Choosing between the Bilt Card (Blue) (no annual fee) and the Luxury Card Mastercard Titanium Card ($299/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You want solid rewards without paying an annual fee.
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Strongest in travel at 2%. 2x points on airfare/hotels via Luxury Card Travel; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
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 $500 per stay at 3,000+ properties — none of which show up in a points-only ranking.
Apply Now| Feature | Bilt Card (Blue) | Luxury Card Mastercard Titanium Card |
|---|---|---|
| Annual Fee | $0 | $299 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 1% | 2% |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 2x points on airfare/hotels via Luxury Card Travel; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus. |
Luxury Card Mastercard Titanium Card wins on travel.
The $299/year fee difference means Luxury Card Mastercard Titanium Card needs to earn about that much more in rewards to justify its cost.
Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate — see the key benefits above and weigh them against how you travel and spend.
Not sure which fits your life? Enter your spending below and we’ll do the math — the calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.