Mastercard Titanium card
MASTERCARD

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

  1. 2X

    Luxury Card Travel

    Earn double the points when you book your airfare through LuxuryCardTravel.com.

  2. 2X

    Luxury Card Travel

    Earn double the points when you book your hotel through LuxuryCardTravel.com.

Benefits & Perks

Travel Benefits

3 perks

Lounge Access

VIP Priority Pass™ Select Airport Lounge Access

Flights & Airlines

2% Value for Airfare Redemptions

Golf

Priceless Golf®

Annual Credits & Statement Credits

1 credits
  1. 1% 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...

    —

    Annual

  1. 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 protections
  1. Travel 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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 APR19.74%–27.74% (Variable)
Foreign Transaction Fee$0
Authorized User Fee$149

Media & Resources

Card Design

Mastercard Titanium card

Evidence Sources

SourceCitation
RewardsCC APIRewardsCC API
BarclaysBarclays: Multiple card facts
BarclaysBarclays

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.

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.