Mastercard Titanium Card
By Alex Compton · Last verified
The entry-level Luxury Card: $195 for a brushed steel card and 1% back.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2024-01 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xAll purchasesPoints worth 1% as cash back or 2% toward airfare redemptions
- 2xAirfare and hotels booked through LuxuryCardTravel.com
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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