Mastercard titanium card review
- 1 Barclaycard Arrival Plus World Elite MasterCard
- 2 mastercard titanium card review
- 3 The MasterCard® Black Card™: Is It Worth Paying $495 Annually?
- 4 Luxury Card MasterCard Gold Card Review
Barclaycard Arrival Plus World Elite MasterCard
If you’re a wanderer, this card should be in your wallet.
Advertiser Disclosure: This post contains references to products from one or more of our advertising partners.
The Barclaycard Arrival Plus World Elite MasterCard is the rare travel rewards credit card that#8217;s uncomplicated.
You#8217;ll earn 2X miles for every $1 spent on all purchases, which means you don#8217;t have to mess with tracking category spending or scratch your head to remember how much the card will pay back for a nice restaurant meal.
We love the reward redemption flexibility the card champions. You can use your rewards to book travel on any airline, hotel or cruise ship. You can even pay your cab fare.
What#8217;s more, discount travel sites are covered here, as well, letting you book your trip your preferred way.
If you#8217;re a globetrotter, road-tripper or wanderer of any type, the Barclaycard Arrival Plus World Elite MasterCard should be in your wallet. At just $89 annually (and that#8217;s waived the first year) this card offers generous and simple rewards, along with travel protections and no foreign transaction fees #8212; just like the flashier, more expensive travel cards, but without the big price tag for ownership.
For a card without a first-year annual fee, the sign-up bonus is pretty generous. Earn 50,000 bonus miles, worth $500, after spending $3,000 on purchases within the first 90 days. The mileage redemption is as easy as it gets. You can book through Barclaycard#8217;s travel portal or just redeem your mileage as a statement credit and book your travel via any method you like.
Anyone seeking a simple travel rewards plan with easy, breezy redemptions and without a fat annual fee can get behind the Barclaycard Arrival Plus World Elite MasterCard.
- Miles can be redeemed directly for travel purchases or as a statement credit.
- Get 5% of your miles back every time you redeem your miles.
- The annual fee is waived the first year.
- You have to redeem your miles for a statement credit within 120 days of making your travel purchase.
- Your rewards are worth 2 cents for every $1 spent if you redeem them for travel; but if you opt to take your rewards as a cash-back credit, they’re only worth 1 cent for every $1 spent.
- The 3% balance transfer fee could add more to your debt load.
- Other cards have higher rewards for categories like travel and dining, so depending on how you spend, you could potentially earn more back with another card.
- This card charges a variable APR of 16.99%, 20.99% or 23.99% depending on your creditworthiness.
- Enjoy an introductory 0% APR offer for 12 billing cycles for each balance transfer made within 45 days of opening the account.
- The annual fee is $89, waived the first year.
- There’s a balance transfer fee of 3%.
- There are no foreign transaction fees on purchases made outside the United States.
- Late payments won’t affect your annual percentage rate.
Miles can be redeemed for statement credits starting at 10,000 miles for $100 worth of credit. You can redeem for all or a portion of your travel charges as long as it’s within 120 days of the purchase. Here#8217;s a nice perk: You#8217;ll get 5% of your miles back every time you redeem. So, if you redeem 10,000 miles, you’ll automatically get 500 of those back in your account.
To redeem your miles, log into your card account online. There is no fee to redeem your miles and they never expire as long as your account is open and in good standing.
This card comes with Mastercard World Elite concierge and luxury travel benefits, which also includes some travel and auto protections.
You can receive a complimentary FICO score online and get an alert if your score has changed.
mastercard titanium card review
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The MasterCard® Black Card™: Is It Worth Paying $495 Annually?
The MasterCard® Black Card™ (formerly the Visa Black Card) is a good luxury credit card intended for individuals with excellent credit scores and high incomes. While good, it won’t make any ‘best’ lists, because there are other cards in this category that perform better from a dollar-to-dollar perspective. For example, you can get better airport lounge access and airline fee credits with the Citi Prestige® Card while paying less annually.
- Those looking for a stainless steel credit card
- Anyone who wants expansive lounge access
- Individuals looking for a premium credit card with decent everyday spend rewards
- People who don't travel too much
Review: Is The MasterCard® Black Card™ The Most Luxurious Card?
Despite being one of the most expensive credit cards available to consumers, the MasterCard® Black Card™ doesn’t come with enough benefits to make it stand out from the crowd. It’s a solid offer and has enough features given its price tag. However, consumers will be better off signing up for other prestige cards, such as The Platinum Card® from American Express. Other premium cards tend to come with better airport lounge access features and welcome bonuses. The latter often times help put a dent in the high annual fee. It's really disappointing that the MasterCard® Black Card™ does not have any welcome incentives.
There’s still a lot the MasterCard® Black Card™ does well. It has strong rewards on everyday spending. Users are awarded 1 point per $1 everywhere they shop. Those points then translate to 1.5% cash back, or 2% if used towards travel redemptions. These are above-average rates not seen on most cards. Additionally, MasterCard® Black Card™ cardmembers get complimentary access to Lounge Club, Global Entry Fee waivers, and annual airline fee credit. All these benefits can be quite valuable to someone who calls an airport their second home.
Bottom Line: Ultimately, you can get better benefits for less money with other credit cards. Those who like this card’s stainless steel construction, luxury magazine subscription, and other ancillary benefits may want to sign-up regardless – these features are fairly unique. However, from a pure dollar perspective, consumers can do better.
MasterCard® Black Card™ Benefits Features
The MasterCard® Black Card™ is a luxury card mainly intended for individuals who find themselves traveling a lot. The card provides complimentary access to airport lounges, airline annual airline credit, and other travel benefits. On top of this, being a cardholder gives you 1 point per dollar on all spending. Each point can be traded in for $0.15 in statement credit, or $0.2 when used towards travel redemptions.
Luxury Card MasterCard Gold Card Review
Luxury Card MasterCard Gold Card Review
- This card is 24K-gold plated! It#8217;s really heavy: 22g, rank #3 in the most heavy credit cards list.
- Earn 1 point per $1 spent on all purchases.
- You can redeem the points at a 2% value for cash back and 2% for airfare.
- Complimentary Priority Pass Select (PPS) card: get access to 1000+ airport lounges.
- $200 Annual Airline Credit Toward Qualifying Airline Purchases (including airline tickets, baggage fees, upgrades and more) per calendar year.
- $100 Global Entry Application Fee Credit.
- Luxury Gifts: these are surprises, you never know what they will send to you. For example, some people received a Cross pen in 2016.
- Annual fee: $995, not waived for the first year.
- There#8217;s currently no sign-up bonus on this card.
The most interesting feature of this card is its 24K-gold plated design and its heavy weight. You will get a lot of attention when you swipe it. However, the annual fee is quite expensive. Similar credit cards, such as Chase Sapphire Reserve (CSR), AmEx Platinum, Citi Prestige, and Chase Ritz-Carlton, have a $450
$550 annual fee, which is almost half of the annual fee of this card. The good news is, Barclaycard waives the annual fee for military members on active duty. If you are a military member on active duty, or you are so rich that don#8217;t care about the annual fee, then this luxury card is worth considering.