Luxury Titanium or Luxury Gold card: find the best choice!

If you're looking for a premium credit card with some great perks, you may be wondering whether to choose a Luxury Titanium or Luxury Gold card. Here's a complete overview of the benefits of each card to help you make your decision.


Luxury Titanium or Luxury Gold?

Luxury Gold vs Luxury Titanium
Which card is better? Source: Stealth Capitalist.

You’re on the market for a high-end credit card but can’t decide between the Luxury Titanium or Luxury Gold? Never fear! In this article, we’ll compare both cards in the Luxury family to help you choose.  

Barclays Bank issues these cards and is responsible for their unique heavy metal designs. The Luxury Gold has a 24K-Gold-Plated front, while the Titanium option is made of brushed stainless steel. They weigh 22 grams each, which can make any new cardholder feel as powerful as the benefits they provide.

Made for lavish travelers, these cards have an array of premium perks for anyone looking to travel in style. Both options have the props to make your jet-setting life a VIP experience, from airfare redemptions to on-the-clock Luxury Concierge services.

The Gold alternative is more exclusive and provides a few more benefits. However, the Platinum option has a lower annual fee, which can be a deciding factor for many new clients. 

In this article, we’ll highlight everything both cards have to offer, as well as their primary features, perks, and drawbacks. Read on to learn more and see which card is the best choice for your personal needs. 

luxury gold card

How to apply for a Luxury Gold credit card?

Learn how to apply for a Luxury Gold credit card and take your lifestyle to the next level!

Luxury Titanium card

How do you get the Luxury Titanium credit card?

Learn how to apply for the Luxury Titanium card and start earning rewards today!

Luxury Titanium cardLuxury Gold card
Sign-up bonusNoneNone
Annual fee$195$995
Rewards2% airfare redemptions;
1% cash back redemptions;
24/7 Luxury Concierge;
No foreign transaction fees
2% airfare redemptions;
2% cash back redemptions;
Annual airline credit;
Luxury Gifts
Other perks0% APR intro for 15 months;
Luxury Card Travel benefits
$100 Global Entry Fee credit;
Priority Pass Select
APR14.99% variable14.99% variable

Luxury Titanium

Luxury Titanium card photo
Luxury Titanium card. Source: Luxury Cards Facebook.

The Luxury Titanium credit card is the most accessible product in the Luxury Card’s line-up. However, you shouldn’t dismiss it as just an ordinary card. With it, you get international Mastercard coverage and no foreign transaction fees. 

The Platinum has a 0% APR intro on balance transfers for purchases made within 45 days of card use. For frequent travelers, the Luxury Card Travel program provides an average of $500 in benefits per stay at thousands of spas and resorts worldwide. 

There’s also a 2% value for airfare redemption with no seat restrictions or blackout dates. Everyday use will get you a 1% value cash back that you can redeem for money into your bank account or a statement credit. 

The most significant disadvantage to this card is the lack of a sign-up bonus – offered by most credit card companies these days. Its annual fee is $195, with an additional $95 for each authorized user. Check the Luxury Titanium’s primary pros and cons below to see if they’re what you’re looking for in a credit card. 


  • 0% Intro APR for 15 billing cycles on balance transfers for 45 days;
  • 2% value airfare redemptions;
  • 1% value cash back redemptions;
  • Luxury Card Travel benefits;
  • 24/7 Luxury Concierge Services;


  • $195 annual fee
  • No sign-up bonus

Luxury Gold

woman holding a luxury gold card
Luxury Gold card. Source: Luxury Cards Facebook.

The Luxury Gold card is undoubtedly the top-of-the-line product offered by Luxury Cards. With a 24k-gold-plated front, this card is a sure-fire way to make you known whenever you use it. Like the Platinum card, it offers international Mastercard coverage and no foreign transaction fees. 

Some of the more distinctive features of this card are the $200 annual Airline credit and the Priority Pass Select program. With Priority Pass, you get complimentary access to over 1,300 airport lounges globally. There is also a $100 Global Entry Fee credit and around-the-clock Luxury Concierge services to help you get dinner reservations and more. 

In the rewards department, the Luxury Gold provides a 2% value for airfare redemptions and 2% value for cash back. All cash back bonuses can be redeemed for statement credit or money directly into your bank account. Also, Gold cardmembers can enjoy the Luxury Gifts program, which provides exclusive items from some of the world’s most iconic brand names.

However, between the Luxury Titanium or Luxury Gold cards, the Gold alternative charges a shocking $995 annual fee with an added $295 for each authorized user. With no sign-up bonus and such a high rate, you have to wonder if the perks this card offers are really worth it. 


  • 2% cash back and airfare redemptions
  • $200 annual Airline credit
  • Luxury Gifts
  • Priority Pass Select program
  • $100 Global Entry Application Fee Credit
  • No foreign transaction fee


  • $995 annual fee
  • No welcome bonus

Luxury Titanium or Luxury Gold card: still not sure which is the best card option for you?

Now that you’ve seen what both cards have to offer, it’s time to choose which one is more advantageous to your lifestyle. It’s important to note that you should be cautious before requesting any product that can affect your credit history. 

To choose between Luxury Titanium or Luxury Gold, first, you need to understand what you’re looking for. The Gold is the better alternative if you want a more flashy card with unique travel-related perks and VIP treatment everywhere. Just make sure you minimize the hefty annual fee by maximizing your bonus usage. 

But if you’re just an occasional traveler who still would like to collect some impressive travel rewards with an added cash back bonus, the Platinum should suit your needs. Its annual fee is standard among other cards in the same category and won’t hurt your pocket like the Gold option. 

However, if neither of these cards appeals to your needs, we have a third option ready! The Chase Sapphire Preferred credit card is one of the most popular products in its category. With a low annual fee and many excellent features and perks, this card might be everything you’re looking for!

Applying for the Chase Sapphire Preferred card

Learn how to apply for the Chase Sapphire Preferred card and collect jaw-dropping travel-rewards!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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