Mastercard® Titanium
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Mastercard® Titanium from Barclays earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $299.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $299
Best for dining-heavy spend when the $299 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
What does the Mastercard Titanium earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Mastercard Titanium compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Mastercard Titanium compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back 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 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
Mastercard Titanium fits spenders who put meaningful volume in dining and can earn 1% back. 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 1% back. 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.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- 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.
Does the Mastercard Titanium have an annual fee?
The Mastercard Titanium has an annual fee of $299 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- 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 access
VIP Priority Pass™ Select Airport Lounge Access
What benefits come with the Mastercard Titanium?
Trip Cancellation / Trip Interruption
$5,000/yrProvides secondary coverage for a covered, roundtrip purchase when you use your eligible card. You can be reimbursed for the cost of the non-refundable, roundtrip expenses up to $5,000 per insured person if certain accidental covered events cause you to cancel or interrupt your trip for a covered reason.
Travel Accident Insurance
$3,000/yrReceive 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.
2% Value for Airfare Redemptions
$1,000/yrEarn $1,000 toward airfare when you acquire 50,000 points—with no titaniumout dates or seat restrictions.
Baggage Delay Insurance
$300/yrBaggage 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).
VIP Priority Pass™ Select Airport Lounge Access
$99/yrWith your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass Select. Access includes unlimited visits for yourself as well as your guests.
Cellular Phone Protection
$25/yrSimply 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
$25/yrProvides 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.
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.
2X Earn on Airfare and Hotel
Earn double the points when you book your airfare or hotel through LuxuryCardTravel.com.
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.
Related encyclopedia topics
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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.
How do you redeem rewards on the Mastercard Titanium?
Rewards on the Mastercard Titanium post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
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 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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