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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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- Regular Purchase APR 19.99% to 27.99% Variable, based on your creditworthiness and other factors
- Intro Purchase APR N/A
- Intro BT APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.99% to 27.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate
- Annual Fee $299 ($149 for each Authorized User added to the account)
- Credit Needed Excellent
- Card Brand Mastercard®
- Regular Purchase APR 19.99% to 27.99% Variable, based on your creditworthiness and other factors
- Intro Purchase APR N/A
- Intro BT APR 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.99% to 27.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate
- Annual Fee $299 ($149 for each Authorized User added to the account)
- Credit Needed Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With 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.
- Brushed Metal Card: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- 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. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual fee: $299 ($149 for each Authorized User). Terms and conditions apply.
Card Fees
Foreign Transaction Fee
0% of each transaction in U.S. dollars.
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Penalty APR
N/A
Ongoing Information
Rewards Rate
2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com. 1 point for every $1 spent on all purchases. 2% Value for Airfare Redemptions. 1% Value for Cash Back Redemptions. Terms and Conditions Apply
Annual Fee
$299 ($149 for each Authorized User added to the account)
Expert Reviews
From the CompareCards.com Editorial Team, updated on Oct 24, 2025
If you are looking for a premium status card, the Mastercard® Titanium Card® could be a good choice. This card has the lowest annual fee of the three Luxury Cards, which are issued by Barclays Bank.
Cardmembers get 2 points for every $1 spent on Airfare and Hotel reservations booked through LuxuryCardTravel.com. 1 point for every $1 spent on all purchases. 2% Value for Airfare Redemptions. 1% Value for Cash Back Redemptions. Terms and Conditions Apply
This hefty stainless steel card is brimming with benefits including 24/7 Luxury card concierge service and features that may include complimentary room upgrades and welcome amenities at properties in the Luxury Card Travel program. Cardmembers also get cell phone protection.
If you have high interest debt, take advantage of the lengthy 0% intro APR on balance transfers. This card offers 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) the APR will be 19.99% to 27.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate Not all travel cards offer 0% intro APR on balance transfers, so this is a welcome feature for anyone carrying a balance month to month.
The annual fee is $299 ($149 for each Authorized User added to the account). Terms and conditions apply.
Expert Reviews of Mastercard® Titanium Card®
The Bottom Line
This card offers a solid rewards rate for airfare redemption. The real value in the Luxury cards are the massive array of benefits and features that come along with the high status Luxury cards. There are no foreign transaction fees, which can save you up to 3% when you travel abroad. You will need excellent credit to qualify.
The Good
Luxury benefits. Flexible redemption for travel on any airline with no blackout dates.
The Not so Good
No sign-up bonus.
Editorial Note: This content is not provided by Luxury Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Luxury Card.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Travel Rewards credit card
Our pick for travel rewards with no annual fee
- Sign-Up Bonus Earn $300 in travel bonuses with a limited-time $100 Capital One Travel credit, plus earn 20K bonus miles with $500 spend within 3 months from account opening - that's equal to $300 in travel
- Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- APRs 0% intro on purchases for 15 months, then 18.99% - 28.99% (Variable). 0% intro on balance transfers for 15 months, then 18.99% - 28.99% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Sign-Up Bonus Earn $300 in travel bonuses with a limited-time $100 Capital One Travel credit, plus earn 20K bonus miles with $500 spend within 3 months from account opening - that's equal to $300 in travel
- Rewards Rate 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- APRs 0% intro on purchases for 15 months, then 18.99% - 28.99% (Variable). 0% intro on balance transfers for 15 months, then 18.99% - 28.99% (Variable). Balance transfer fee applies
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- Click APPLY NOW to apply online.
- LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel
- $0 annual fee and no foreign transaction fees
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% - 28.99% variable APR after that; balance transfer fee applies
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See additional details for Capital One VentureOne Rewards Credit Card
Our pick for best bonus categories
- Sign-Up Bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Introductory APR 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months
- Regular APR 18.74% - 28.24% Variable
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Introductory APR 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months
- Regular APR 18.74% - 28.24% Variable
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Rates & Fees
See additional details for Chase Freedom Unlimited®
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
