Does the Luxury Card Mastercard Titanium have an annual fee?

Yes — $299 a year, according to the issuer information in our record.

Is the Luxury Card Mastercard Titanium worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around -$179 before credits, including a welcome bonus valued at $0. In year two, rewards alone fall about $179 short of the fee, so credits and benefits have to close the gap.

What credit do I need for the Luxury Card Mastercard Titanium?

Our record lists "Excellent" credit as the typical target for the Luxury Card Mastercard Titanium. Barclays makes the final decision based on its own criteria.

Luxury Card Mastercard® Titanium Card™

Barclays

$299

Annual Fee

mastercardExcellent16 days ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Luxury Card Mastercard Titanium Card right for you?

The Luxury Card Mastercard Titanium is a premium $299-a-year rewards card from Barclays. It earns a flat 1x on purchases. Whether it pays off depends on how often you'd use its travel benefits, not on the headline earning rates.

Who it's for

✓ Frequent flyers who will actually use Priority Pass Select
✓ People who want one rate (1x) everywhere without tracking categories

Who should skip it

— Travelers who prefer booking directly rather than through the issuer's travel portal
— Applicants with fair or limited credit — the issuer targets excellent credit
— Anyone who won't earn at least $299 a year more than a no-fee card

First-year value estimate

Welcome bonus

Rewards on spending

$120

Annual fee (year 1)

−$299

Year 1, before credits

-$179

Year two, without the welcome bonus: about -$179 before credits ($120 in rewards minus the $299 fee).

Assumptions

$12,000 a year of purchases at 1x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
Annual fee of $299 in year one and every year after.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Amex Cash Magnet →

American Express, lower fee ($0 vs $299); earns 1.5x on everything.

Capital One VentureOne Rewards →

Capital One, lower fee ($0 vs $299); earns 1.25x on everything.

Capital One Venture X Rewards →

Capital One, higher fee ($395 vs $299); earns 2x on everything.

Compare side by side →

Frequently asked questions

Does the Luxury Card Mastercard Titanium have an annual fee?: Yes — $299 a year, according to the issuer information in our record.
What does the Luxury Card Mastercard Titanium earn?: A flat 1x on purchases.
Is the Luxury Card Mastercard Titanium worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around -$179 before credits, including a welcome bonus valued at $0. In year two, rewards alone fall about $179 short of the fee, so credits and benefits have to close the gap.
What credit do I need for the Luxury Card Mastercard Titanium?: Our record lists "Excellent" credit as the typical target for the Luxury Card Mastercard Titanium. Barclays makes the final decision based on its own criteria.

Earning Rates

2×Airfare and hotels booked through LuxuryCardTravel.com2x points per $1 on airfare and hotel reservations booked through LuxuryCardTravel.com

1×All other purchases1x point per $1 on all other purchases

Other Benefits

Lounges

Priority Pass SelectPriority Pass Select membership (unlimited guests)

Other Benefits

Insurance

Sources

Last Updated: Oct 3, 2026