Compare Luxury Card credit cards | finder.com

Compare Luxury Card Mastercard® credit cards

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Access 24/7 concierge service and high-class travel benefits.

Luxury Card products cost anywhere $195 to $995 annually and offer high-class benefits you’ll find with few other cards.

Compare Luxury Card credit cards

Name Product Welcome offer Rewards Annual fee Filter values
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

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Luxury Card credit cards

If you want access to travel credits, consider the Luxury Card Mastercard® Black Card™ and Luxury Card Mastercard® Gold Card™.

The Luxury Card Mastercard® Titanium Card™ doesn’t offer travel credits, but it still gives you access to high-class perks like concierge service.

Best for access to Luxury Card features: Luxury Card Mastercard® Titanium Card™

For $195 a year, you can access the Luxury Card suite of features, including Luxury Card Concierge, Airport Meet & Assist, Global Luggage Delivery and Mastercard Priceless experiences.

Best for access to travel credits and airport lounges: Luxury Card Mastercard® Black Card™

The Luxury Card Mastercard® Black Card™ is the mid-tier Luxury Card. It offers travel credits, a credit for your Global Entry or TSA PreCheck application and a superior cashback redemption rate than the Luxury Card Mastercard® Titanium Card™.

Best for redemption value and travel credits: Luxury Card Mastercard® Gold Card™

The Luxury Card Mastercard® Gold Card™ has a steep price tag. Consider it if you want accelerated rewards redemption value for both airfare and cash back. You’ll also find an airline credit that’s more valuable than the one you’ll find with the Luxury Card Mastercard® Black Card™.

Luxury Card rewards program

For each card in the Luxury Card collection, you’ll earn 1 point per dollar spent. Though you’ll receive the same rewards rate on all purchases, your points are worth different values depending on which card you have and what you redeem for.

How can you redeem points?

Log in to your Luxury Card online account to redeem points. You can also call the support phone number on the back of your card.

How much are points worth?

CardCashback redemption rate
Luxury Card Mastercard® Titanium Card™1%
Luxury Card Mastercard® Black Card™1.5%
Luxury Card Mastercard® Gold Card™2%

You can also redeem points for airfare, hotel stays, car rentals, gift cards, gift certificates and merchandise at varying rates.

Typical card features and benefits of a Luxury Card product

  • Intro APR for balance transfers.
    You don’t often find balance transfer intro APRs for premium cards.
  • Higher redemption rate for airfare.
    Though you’ll earn just 1x points on every purchase, you’ll receive a 2% redemption rate when you redeem your points for airfare.
  • Luxury Card Concierge.
    This 24/7 service can take care of important requests like securing dinner reservations and making travel plans. Concierge service is typically reserved for premium cards, so this could be a big selling point for you.
  • Luxury Card travel benefits.
    You’ll get access to luxury benefits like Airport Meet & Greet and Global Luggage Delivery. Only premium travel cards offer these features.
  • Travel credits and airport lounge access.
    You’ll find these with the mid- and top-tier options, and they can help offset each card’s annual fee.
  • Mastercard benefits.
    Perks like price protection and travel insurance are often overlooked, but they can give you peace of mind and save you money. Each Luxury Card product offers extensive features here.

How to apply for a Luxury Card product

To apply for a Luxury Card product, you must be:

  • At least 18 years of age.
  • A resident of the US. Residents of Puerto Rico and US territories are not eligible.

Required information

  • General information. Your full name, address, time at your address and residence status.
  • Employment and financial information. Your occupation and total annual gross income.
  • Contact information. Your primary phone number, email address and citizenship status.
  • Security information. Your date of birth, Social Security number and mother’s maiden name.

What credit score do I need?

You’ll have a better chance of approval with an excellent credit score of 720 or higher.

When will I receive my card?

After you submit your application, you’ll likely receive an immediate decision. If you’re approved, expect your card in the mail within seven to 10 days.

How does Luxury Card keep my credit card information secure?

Luxury Card is administered by Barclays, a major bank. Barclays says it does not share information about its customers unless necessary.

You’ll apply for a Luxury Card through a secure application form. Your data will be encrypted so it’s unreadable by third parties

Bottom line

With a Luxury Card product, you’ll get access to high-class benefits like concierge service, Airport Meet & Greet and Global Luggage Delivery.

Each card offers a solid rewards rate if you redeem your points for airfare. The Luxury Card Mastercard® Gold Card™ offers a solid redemption rate for cash back.

If you’re not sure a Luxury Card product is right for you, consider other premium options such as the Chase Sapphire Reserve® and Platinum Card® from American Express.

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