Luxury Card Mastercard Titanium Card review | finder.com

Luxury Card Mastercard® Titanium Card™ review

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Luxury Card Mastercard® Titanium Card™ Learn more Apply now

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  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
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Rare premium travel perks, paired with subpar rewards.

30-second take

  • Get this card if you want luxury travel features and a great redemption rate on airfare.
  • Pick something else if you want a good redemption rate on other rewards, or you want more premium perks.
  • Apply with a good to excellent credit score of 700 and higher.
Product NameLuxury Card Mastercard® Titanium Card™
Card TypeMastercard
Annual Fee$195
APR (Annual Percentage Rate) for Purchases17.24% variable
Introductory Purchase APR

N/A

Balance Transfer APR17.24% variable
Introductory Balance Transfer APR 0% for the first 15 billing cycles (then 17.24% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$95
Minimum Age18 years of age
Rewards1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Base Rewards1x points
Rewards Points ExpiryNever
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The basics

The Luxury Card Mastercard® Titanium Card™ occupies a unique space among travel cards. It’s priced above the average price for a travel card — but for many customers, it may not offer the value to match.

One of the card’s most significant weaknesses is its redemption rate. When you do the math, you’ll find that cheaper products offer equivalent or better rewards. And for its price, the card might have offered more enticing perks like travel credits, point transfers or a signup bonus.

Still, the Luxury Card Mastercard® Titanium Card™ can make sense for some travelers. Consider it if you’ll redeem your points only for airfare, as this offers the best value for your rewards. And give it a look if you want a great intro APR on balance transfers, complimentary upgrades when you book through Luxury Card Travel and access to perks like Luxury Card Concierge. For around half the annual fee of premium travel cards, you can have a taste of select high-class benefits.

The perks

  • Rewards: 1x points on all purchases.
    Earn 1 point per dollar you spend on every purchase. Rewards points are unlimited, so every eligible purchase counts towards your balance.

    Redeem points for airfare at a redemption rate of 2%. That means you essentially earn 2x points on all purchases as long as you redeem all of your rewards for airfare.

  • Intro balance transfer APR: 0% for the first 15 billing cycles following each transfer that posts to your account within 45 days of your account opening.
    Afterward, your balance transfer APR will be 17.24% variable.

    It’s uncommon to find a balance transfer intro APR with premium travel cards, especially with one as strong of a period as Luxury Card Mastercard® Titanium Card™.

  • Luxury Card Travel.
    Receive room upgrades, spa credits, complimentary food and beverage and more at over 3,000 properties when you book through Luxury Card Travel.

    The Luxury Card Mastercard® Titanium Card™ comes with a suite of unique and helpful travel features. Through Airport Meet & Assist, a representative can meet you once you land at the airport and ensure a smooth start to your trip. You can arrange a personal chauffeur to take you to important events, and you can ship your luggage ahead of time to your travel destination so you don’t have to haul it yourself.

    Other benefits include cruise privileges, private jet and yacht charter services, access to stable wireless communication while traveling and car rental perks.

You’ll also like …

  • Mastercard Priceless.
    Access exclusive travel opportunities through Priceless Cities and one-of-a-kind events through Priceless Surprises. Also, receive special golf offers and invitations to unique events with Priceless Golf.
  • Luxury Card Concierge.
    Contact the Luxury Card Concierge 24/7 if you need help with travel plans, finding gifts, getting tickets to exclusive shows and more.
  • No foreign transaction fees.
    Use the Luxury Card Mastercard® Titanium Card™ abroad and at foreign websites without paying a fee. Typically, providers charge up to a 3% fee, though 0% transaction fees are common among travel cards.
  • Luxury Magazine.
    Receive a complimentary subscription to Luxury Magazine, a quarterly publication highlighting the best in travel, real estate, fashion, technology and vehicles.
  • Travel benefits.
    Enjoy baggage and trip delay insurance, trip cancellation and interruption insurance, travel accident insurance and auto rental collision waivers.

    You’ll have access to Global Assistance Service, which offers emergency card replacement and emergency cash advances. You’ll also get access to Travel Assistance Service, which offers pretrip destination services like visa and passport information as well as referrals to professional services while you’re traveling.

  • Purchase benefits.
    Get Price Protection on products you buy with your card, which partially reimburses you for eligible items if you find lower prices elsewhere. You’ll enjoy Purchase Assurance, which covers eligible items against theft or other damages within the first 90 days of purchase. Satisfaction Guarantee offers refunds on eligible purchases if the original retailer doesn’t accept your return within 90 days of purchase. And Extended Warranty Protection doubles each manufacturer’s original warranties under 24 months when you purchase items with your Luxury Card Mastercard® Titanium Card™.
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Luxury Card™ Mastercard® products at a glance

Luxury Card Mastercard® Titanium Card™ Luxury Card Mastercard® Black Card™ Luxury Card Mastercard® Gold Card™
Annual fee $195 $495 $995
Rewards 1x points on all purchases 1x points on all purchases 1x points on all purchases
Rewards redemption rates 2% for airfare; 1% for cash back and statement credits 2% for airfare; 1.5% for cash back and statement credits 2% for airfare; 2% for cash back and statement credits
Luxury Card Concierge checkmark checkmark checkmark
Luxury Card Travel benefits checkmark checkmark checkmark
Annual airline credit None $100 $200
Global Entry or TSA PreCheck fee credit None $100 every five years $100 every five years
Priority Pass Select membership No Yes Yes
Luxury Gifts No Yes Yes

Compare Luxury Card credit cards

What to watch out for

  • Annual fee: $195.
    The Luxury Card Mastercard® Titanium Card™ has a unique annual fee. It’s priced higher than most mid-tier travel cards but significantly lower than premium travel cards. Overall, it’s not exactly a cheap card.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees

Compare up to 4 providers

What should I know before I apply?

Collect the necessary information before applying for the Luxury Card Mastercard® Titanium Card™.

Eligibility requirements

  • You’re at least 18 years old.
  • You’re a resident of the United States, with the exception of Puerto Rico and US territories.

Required information

  • Your name, address and residence status.
  • Your employment and financial information, such as your total annual income.
  • Your contact information.
  • Your security information, including your date of birth, Social Security number and mother’s maiden name.

What credit score do I need?

You’ll have better approval odds if you apply with a good to excellent credit score of 700 or above. While you can’t request a specific credit limit, a history of responsible spending habits and on-time payments will likely land you with a higher one.

What do customers say about the Luxury Card Mastercard® Titanium Card™?

Cardholders often say other travel cards offer better value. However, many of them like the card’s rewards and travel features such as Luxury Card Concierge and chauffeur service.

Barclays Bank Delaware, the provider of this card, is accredited with the Better Business Bureau (BBB). It receives an A+ rating from the agency. It currently has over 1,100 customer complaints, but most of them are listed by the BBB as answered or resolved.

How to apply for the Luxury Card Mastercard® Titanium Card™

  1. Visit the Luxury Card website and click Apply now.
  2. Complete the application form with details like your name, address, employment and financial information, contact information and security information.
  3. Review your application and click Apply to submit it.

How long will it take to get my Luxury Card Mastercard® Titanium Card™?

If you’re approved, you’ll likely receive your card in the mail within seven to 10 business days. Welcome materials will be sent with the card, as well as a pocket guide so you can keep the ins and outs of the card on hand.

I got the card. Now what?

  • Set up online access. You can register for an account at the My Luxury Card website. This lets you view and manage your account online.
  • Enroll in autopay. Set up automatic payments to ensure you pay your card bill on time.
  • Avoid interest. The Luxury Card Mastercard® Titanium Card™ comes with an ongoing APR of 17.24% variable for purchases and balance transfers, which is around the average for credit cards. Still, consider paying off your balance each month to avoid accruing debt.
  • Avoid fees. Balance transfers and cash advances come with fees. Late and returned payments come with fees as high as $37, depending on your state.
  • Contact customer service.If you have issues with your account, contact the number at the back of your card. Alternatively, you can contact 844-LUX-CARD (844-589-2274).

Bottom line

The Luxury Card Mastercard® Titanium Card™ can be a good pick if you want access to a few premium perks you’d normally find only with higher-priced cards. It doesn’t offer spectacular rewards, but you’ll earn solid points as long as you redeem them only for airfare.

For a more flexible experience, you may want to consider general travel rewards cards.

Frequently asked questions

Images: Luxury Card

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. With a decade of experience creating educational guides, she has one goal: deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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