Mastercard Titanium Card
The entry-level Luxury Card: $195 for a brushed steel card and 1% back.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$195
No FTF
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xAll purchases
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Brushed stainless steel card with carbon back
- ✦24/7 Luxury Card Concierge, same desk as the $995 card
- ✦2% point value when redeeming for airfare
Why it earns its spot
- +Cheapest path to a metal Luxury Card and the concierge
- +2% airfare redemption value is fine if you only redeem that way
Where it costs you
- −1% cash back value on a $195 annual fee card
- −No travel credits at all, unlike its siblings
- −No welcome bonus
The Compound Verdict
The Titanium charges $195 for what free cards do better, and unlike the Black and Gold it does not even include an airline credit to pretend with. The concierge is the only real feature. If you want a Luxury Card, this is the cheapest ticket in; if you want value, look literally anywhere else.
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