Mastercard® Titanium
The Mastercard® Titanium from Barclays earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $299. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $299
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Mastercard Titanium earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Barclays Luxury Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Mastercard Titanium?
The Mastercard Titanium fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. Travel perks may add value beyond the earn rate. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Mastercard Titanium fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. Travel perks may add value beyond the earn rate.
Less compelling if the $299 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $299 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $299 annual fee requires enough spend in bonus categories to offset.
- Barclays Luxury Rewards value depends on how you redeem, not straight cash back.
Does the Mastercard Titanium have an annual fee, and what's the welcome bonus?
The Mastercard Titanium has an annual fee of $299 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $299
- Foreign transaction fee
- None
What travel perks does the Mastercard Titanium include?
The Mastercard Titanium includes Lounge access, 1% Value for Cash Back Redemptions, 2% Value for Airfare Redemptions, 2X Earn on Airfare and Hotel in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Lounge accessVIP Priority Pass™ Select Airport Lounge Access
What benefits come with the Mastercard Titanium?
- 1% Value for Cash Back Redemptions
Cash back can be deposited directly into a US bank account or applied as a statement credit. No minimum threshold requirement for cash back redemptions.
- 2% Value for Airfare Redemptions
Earn $1,000 toward airfare when you acquire 50,000 points—with no titaniumout dates or seat restrictions.
- 2X Earn on Airfare and Hotel
Earn double the points when you book your airfare or hotel through LuxuryCardTravel.com.
- Baggage Delay Insurance
Baggage delays are an inconvenience. You may be eligible for reimbursement of covered items for up to $100 a day (maximum 3 qualifying days) for qualifying baggage delays of more than 4 hours from the time you arrive at your travel destination (arrival at your primary residence is excluded).
- Cellular Phone Protection
Simply pay for your monthly mobile phone bill with your Luxury Card to activate coverage for eligible damage or theft claims. Your Luxury Card comes with coverage that can reimburse the actual cost to repair or replace your phone if it is damaged or stolen.
- MasterRental Coverage
Provides secondary coverage for covered damages to an eligible rental vehicle when you pay for the entire rental transaction using your card and decline the coverage offered by the rental agency.
- Priceless Golf®
Unlock access to over 1,000 luxurious private country clubs across North America. Play at one of the dozens of TPC courses near you. Schedule a tee-time at the World Famous Pebble Beach Resort. Visit priceless.com for details.
- Travel Accident Insurance
Receive up to $250,000 coverage for eligible common carrier accidental death & dismemberment, at no additional cost, when you charge your entire travel fare to your eligible card for a covered trip.
Common questions about the Mastercard Titanium
Does the Mastercard Titanium have an annual fee?
The Mastercard Titanium carries an annual fee of $299 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Mastercard Titanium?
Dining is the strongest Madeen category for the Mastercard Titanium at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Mastercard Titanium charge foreign transaction fees?
The Mastercard Titanium does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Mastercard Titanium annual fee worth it?
Whether the $299 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Mastercard Titanium?
Madeen's catalog lists a typical credit range of Excellent for the Mastercard Titanium. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Mastercard Titanium?
Rewards on the Mastercard Titanium post as Barclays Luxury Rewards. Redemption value depends on how you use Barclays Luxury Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Mastercard Titanium compare to similar cards?
Compare the Mastercard Titanium against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Mastercard Titanium This card | Dining | 1% | $299 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
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