
Mastercard® Titanium
- Annual Fee
- $299
- Highest rate (conditional)
- Up to 2X (Luxury Card Travel)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $299
- Authorized User Fee
- $149
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Barclays Luxury Rewards
- Credit Required
- Excellent
Earning Rates
- 2X
Luxury Card Travel
Earn double the points when you book your airfare through LuxuryCardTravel.com.
- 2X
Luxury Card Travel
Earn double the points when you book your hotel through LuxuryCardTravel.com.
Benefits & Perks
Travel Benefits
3 perksLounge Access
Flights & Airlines
Golf
Annual Credits & Statement Credits
1 credits1% cash back value
Cash back can be deposited directly into a US bank account or applied as a statement credit. No minimum threshold requirement for cash back redempt...
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Annual
Lounge Access
VIP Priority Pass™ Select Airport Lounge Access
With your Luxury Card, enjoy complimentary access to over 1,800 airport lounges and travel experiences in more than 600 cities across 140 countries...
Insurance & Protections
5 protectionsTravel Accident Insurance
$250,000
Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire tr...
Trip Cancellation / Trip Interruption
$5,000
Provides secondary coverage for a covered, roundtrip purchase when you use your eligible card. You can be reimbursed for the cost of the non-refund...
Baggage Delay Insurance
$100
Baggage delays are an inconvenience. You may be eligible for reimbursement of covered items for up to $100 a day (maximum 3 qualifying days) for qu...
Cellular Phone Protection
Simply pay for your monthly mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card come...
MasterRental Coverage
Provides secondary coverage for covered damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and de...
Reviews & Analysis
Details & Terms
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $149 |
Media & Resources
Card Design

Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.