Mastercard® Titanium Card™

Explore the credit cards and benefits offered by Luxurious Card. This luxury card rewards program offers one point for every dollar spent by you.

Credit needed
Excellent Credit
Variable 14.99%
Annual Fee

Card Summary

A Mastercard Titanium Card for people with good credit is recommended.
This luxury card rewards you with one point for every dollar spent.
You can redeem points for redemptions of airfare and cash back for a 2% discount.
The Mastercard Titanium Card requires a $195 annual fee. Mastercard Titanium Card offers a variable APR of 14.99%.

Card Summary - Cons

Rates and fees

Issuer Name
Luxurious Card
Penalty APR
Credit Needed
Excellent Credit
Balance Transfer Fee
The transfer amount must be equal to $5, or 3% of it.
Annual Fee
Cash Advance Fee
$10 or 5% on each cash advance amount, depending on which is higher.
Variable 14.99%
Foreign Transaction Fee
Each transaction is 0% in U.S. Dollars.


You earn points for every dollar you spend. Luxury Card increases your buying power. It gives you one point per dollar spent. Each purchase brings you closer to the reward you desire.

Airfare Redemptions: 25,000 points = $1,000 on all airlines with no seat or blackout restrictions.

Cashback Redemptions: 1% Cashback Cashback can either be directly deposited into an American bank account, or used as a statement credit.

The Luxury Card Concierge is available 24/7 to assist with your travel arrangements, personal needs, and many other matters. Luxurious Card Concierge offers a lifestyle management tool that allows you to save time while still receiving exceptional customer service.

Every Mastercard Titanium Cardholder has the Concierge Service at no additional cost.

The Luxury Card Travel Program is exclusive to Cardmembers and offers an extensive range of services that will make both personal and professional travel easier and more enjoyable.

There are many options, with over 3,000 hotels and reliable brands all around the world. No Foreign Transaction Fees.

Comparative Analysis with Other Cards

Chase Sapphire Preferred Card vs. Mastercard Titanium Card

Annual fee: Mastercard Titanium Card annual fee: $195 Annual fee for the Chase Sapphire Preferred Card Card is $95.

Reward Program: One point for every dollar spent on Mastercard Titanium Card purchases. You can redeem points for up to 2% on airfare and for up to 1% for cashback redemptions. Chase Sapphire Preferred Card gives you five Lyft points per $1 (valid until March 2022), three dining out at restaurants for $3, and two points per $ on travel. All other purchases are one dollar.

Sign-up bonus: No sign-up bonus for Mastercard Titanium Card After you have spent $4,000 in your first three months of account opening, Chase Sapphire Preferred Card will give you 60,000 bonus points.

Chase Ultimate Rewards will allow you to redeem this bonus for $750.

Benefits: Mastercard Titanium Card Holders Get Benefits, including an auto rental collision waiver and baggage delay insurance. They also get cellphone protection. Travel accident insurance, assistance services and cancellation insurance are some of the benefits available to Mastercard Titanium Card Cardholders.

Cardholders of the Chase Sapphire Preferred Card can enjoy benefits such as no foreign transaction fees and extended warranty coverage, purchase protection, trip cancellation insurance, rental car damage collision waiver, and travel insurance.

Mastercard Titanium Card Vs. American Express Platinum Card

Annual fee: An annual fee of $195 is charged for Mastercard Titanium Card. American Express Platinum Card requires a $695 annual fee.

Reward Program: One point for every dollar spent on Mastercard Titanium Card purchases. You can redeem points for up to 2% in airfare redemptions or 1% for cashback redemptions.

American Express Platinum Card cardholders can earn 10x points for eligible purchases at American Express restaurants around the world and when they Shop Small in America. This is on top of the $25,000 combined purchase that you get on your Card membership's first six months.

Five points per dollar are available on all flights that you book directly with American Express Travel or airlines. Bonus points for these categories will only be granted to those who make $500,000 combined in purchases by the card each year. Five points are earned for every dollar spent on eligible hotels when booked through American Express Travel.

Sign-up bonus: No introductory bonus: The Mastercard Titanium Card doesn't offer a welcome offer. American Express Platinum Card cardholders earn 100,000 points after they spend $6,000 in their first six months.

Benefits: Mastercard Titanium cardholders get benefits, including an auto rental collision waiver and baggage delay insurance.

You can get The Platinum Card by American Express benefits such as purchase protection, rental car coverage, extended warranty coverage and platinum concierge.


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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