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Mastercard® Titanium Card™

Credit needed
Excellent Credit
APR
Variable 14.99%
Annual Fee
$195

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
N/A
Credit Needed
Excellent Credit
Balance Transfer Fee
The transfer amount must be equal to $5, or 3% of it.
Annual Fee
$195
Cash Advance Fee
$10 or 5% on each cash advance amount, depending on which is higher.
APR
Variable 14.99%
Foreign Transaction Fee
Each transaction is 0% in U.S. Dollars.
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Luxurious Card

The Best Features

Balance transfer balance transfers are free of interest for a period of zero percent.
The Mastercard Titanium Card provides 0% APR during the 15 billing cycles. The 14.99% variable APR is applicable after that.

Benefits for travelers:

The Mastercard Titanium Card provides valuable benefits such as no foreign transaction fees and an auto rental collision waiver.
It also offers travel insurance that covers trip cancellation, interruption, and other travel-related issues.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Mastercard Titanium Card: $195 Annual Fee.

Balance transfers are exempt from the zero percent APR promotional period.

The Mastercard Titanium Card offers a 0% APR initial period for balance transfers. Standard APR is 14.99% Variable.

Highlights

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.

Benefits

Cardholders of Mastercard Titanium Card receive the following benefits:

Protection against fraud of $0
Collision waiver for auto rental
Baggage delay insurance
Protection for your cell phone
Mastercard global service
Protection against Mastercard ID Theft
Shoprunner free 2-day shipping
Travel accident insurance
Services for travel assistance
Trip cancellation insurance and trip interruption insurance

Maximizing Rewards

You can get the most out of your Mastercard Titanium Card by simply using it.

You can also redeem your Rewards Points for Airfare whenever you want, with a maximum value of 2% for redemptions for airfare and a maximum value of 1% for cashback redemptions.

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.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Luxurious Card