Best for protections on travel and purchases without a high annual fee

It’s rare to find a card with this many travel and purchase protections with an annual fee of just $195. That said, there are tradeoffs. These include a lack of welcome bonus and lack of strong rewards redemption options.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 1% 1% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.49% Variable
19.24% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.24% Variable APR
19.24% Variable
$195 ($95 for each Authorized User added to the account)
  • Patented brushed stainless steel front and carbon back - weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.

At a glance

  • 2% 2% Value for Airfare Redemptions
  • 1% 1% Value for Cash Back Redemptions
  • 1X Earn one point for every one dollar spent.
no offer
29.49% Variable
19.24% Variable
0% intro APR for first 15 billing cycles on BT within first 45 days; After that - 19.24% Variable APR
19.24% Variable
$195 ($95 for each Authorized User added to the account)
  • Patented brushed stainless steel front and carbon back - weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge® - available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits - average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Members-only LUXURY MAGAZINE®.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

Our Take

TPG Editor's Rating

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3/5

Overview

You’ll get a lot of purchase and travel protections for a moderate annual fee. In exchange, there’s no sign-up bonus and a weak rewards structure. However, the peace of mind may be worth the tradeoff for some people.

Pros

  • The Mastercard Titanium Card offers a fantastic amount of protections for a card with a sub-$200 annual fee. Your trips and purchases are protected when you use this card.

Cons

  • There are no lounge benefits and a weak earning structure on this card, though it's billed as a luxury card. Those who love maximizing their rewards will be let down here.

Who is this card good for?

This is a solid option for those wanting to protect their purchases and vacations in case something goes wrong yet they don’t want to pay a hefty annual fee to receive those protections.

Earning Rewards

Earn 1 point per dollar on all purchases. These can be redeemed at 2 cents apiece in value for airfare purchases or 1 cent apiece to your credit card statement or bank account.