About the Mastercard Titanium Card
The Mastercard Titanium credit card allows you to earn bonuses and redeem them at competitive rates. In addition, it enables you to take advantage of such VIP services as Luxury Card Concierge or access to airports’ lounges. However, this card is made of stainless steel and carbon, so that it might be a bit heavy compared to plastic cards.
The Mastercard Titanium Card features
You see the difference as soon as you receive a Mastercard Titanium Card. It isn’t packed in an envelope but in a custom box of cherry wood. Besides the credit card, you will find flashcards that provide quick and easy information about essential benefits, notable features, and a Luxury Card rewards program. In addition, a Luxury Card utility pad specially designed from handcrafted leather can be used as a mouse pad, jewelry rest, etc. But, of course, the most important thing is the card itself. It is made of stainless steel front and carbon back for durability and distinction, and its weight is much higher than the weight of plastic cards.
As a cardholder, you will be able to participate in the Luxury Card rewards program. It means that you will earn rewards points for making eligible purchases. The rate is 1 point per 1 dollar you spend. Unfortunately, no special offers let you earn more if you buy in a certain place or a certain category of goods. Also, there are no welcome offers that could let you earn thousands of points during the first months. However, the company offers you several ways to redeem those points. For example, you can redeem your points for cash back or airfare. The points are worth 2 cents per point for airfare redemptions and 1 cent per point for other redemptions.
What is more, this credit card offers you several travel perks. For example, you will have access to 1,300+ airport lounges worldwide or will be provided with an airport meet and assist service. The company’s agents will accompany you through the airport, bypassing crowds and speeding up formalities. You will meet them on arrival, before departure, or while waiting for a connecting route. Moreover, as a cardholder, you will have access to a 24/7 Concierge service that can assist you with securing travel reservations, tickets for entertainment, sporting, and cultural events, treatments at beauty salons and spas, and various personal requests.
You will have no fees on foreign transactions and 0% introductory APR on balance transfers for 15 billing cycles. However, other fees are not waived. You will be charged $5 or 3% of the amount of each transfer, whichever is greater, 17.99% variable APR, and 28.24% variable on cash advances. Also, the company charges a $195 annual fee.
The company can also provide you with insurance options that protect you from trip cancellation or baggage loss. For example, baggage delay coverage is up to $100 per day. In addition, in case of an unfortunate travel accident, you will receive up to $250,000 coverage for eligible common carrier accidental death and dismemberment at no additional cost.
In addition, there are more perks and services provided by Mastercard Black Card, such as:
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TCS World Travel Gift Card;
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Global Entry;
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TSA PreCheck Credit;
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Global Acceptance with no foreign transactions fees;
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Annual airline credit;
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Zero liability protection;
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Travel assistance services and more.
Pros and cons
Below you will see the brief of key benefits that the Mastercard Titanium Card has:
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Points don’t expire;
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Double points by redeeming for travel through the Luxury Card rewards site
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Unlimited 1-point cash back on every dollar spent
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0% introductory APR offer;
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Foreign transaction fees are waived;
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Several ways of points redemption;
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Some additional perks and insurance options are offered
However, you still need to take into account some significant disadvantages of this credit card:
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The annual fee is $195;
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The cash back rate is relatively low;
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No welcome bonus;
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A $95 annual fee per additional authorized user.
How to apply for a Mastercard Black Card
You don't need to go to the bank or the company’s office, as applying for the Mastercard Black Card is available online. To apply for this credit card, go to the luxurycard.com website and choose the Mastercard Black Card section. You will need to find the “Apply Now” button on that page and click on it. You will be redirected to the webpage that contains brief data about this card and the application itself. Also, you will find the document containing terms and conditions that must be read before applying. Afterward, you can start filling out the online form located below. You need to enter the following information:
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General Information: Your name, permanent address; city-state; time at the permanent address, and residence status.
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Employment and financial information: Source of income; occupation; total annual gross income.
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Contact Information: Primary phone; email address and choose whether you are a citizen of the USA or not.
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Security information: Date of birth, SIN, and mother’s maiden name.
After those boxes, you need to choose whether you want to receive paperless statements, add an authorized user if required, add balance transfers, and look through legal terms and conditions.
Finally, you must confirm your application and click the “Apply” button.