Best Luxury Credit Cards

The three cards on this list offer perks you won’t find elsewhere. But these luxury cards aren’t for the average spender. Let’s find out if one of these cards belongs in your wallet.

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If you’re in the market for a card that spells LUXURY, then look no further. In this article, we’ll review three luxury credit cards from a company called Luxury Card (I mean, what else would they call it!?).

What is Luxury Card?

Luxury Card is a global technology, marketing, and services company and is one of the world leaders in the premium credit card industry. They have a “mission to shape the industry through innovation, value, and service.”

Luxury Card isn’t a bank. In fact, their credit cards are backed by Barclays. Luxury Card provides the service and perks–which are plentiful. Cardmembers will get some of the top cash back and airfare redemption rates with Luxury Card. For instance, when you redeem points for airfare, you get 2% back with no blackout dates or restrictions.

Let’s dive into the three different cards they offer and their benefits.

 

What Types of Credit Cards Does Luxury Card Offer?

Luxury Card offers three different credit cards at three different levels. Below, I’ll outline each, then give a final summary and comparison of the cards.

Luxury Card™ Mastercard® Titanium Card™


First up is the Mastercard® Titanium Card™, made from stainless steel. Of the three, this is the entry-level card. In addition to all the benefits outlined above, here are some of the highlights:

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  • Earn 1 point per $1 spent on all purchases – it doesn’t matter where you spend, you’ll earn the same flat rate for all purchases.
  • 2% value for airfare redemptions – you get a boost when you redeem points for airline travel, meaning 25,000 points will net you $500 toward an airline ticket (25,000 x .02 = 500). Points can be used for all or a portion of your airline purchase. Note that this applies only when redeeming for airfare through myluxurycard.com or by calling the customer service on the number on the back of your card.
  • There are no blackout dates – because you use points to redeem a credit, there are no blackout dates or restrictions on the airfare you purchase.
  • 1% value for cash back redemptions – if you redeem points for cash, you can receive it in the form of either a statement credit or a deposit to your bank account. For example, you can redeem 5,000 points for a $50 statement credit. There is no limit to the total points you can earn as long as the program continues and your account is open, active and in good standing.
  • Annual fee – this card has a $195 annual fee (plus $95 for each Authorized User)

Luxury Card™ Mastercard® Black Card™


The second-tier card by Luxury Card, the Luxury Card™ Mastercard® Black Card™ is a Black-PVD-Coated Metal Card and offers some additional travel perks and benefits:

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  • Earn 1 point per $1 spent on all purchases
  • 2% value for airfare redemptions
  • No blackout dates
  • 1.5% value for cash back redemptions
  • Annual airline credit – Mastercard Black Card members get around $100 in annual aviation credit toward flight-related buys such as airline tickets, luggage prices, updates and much more. For convenience, Luxury Card automatically applies the credit to your account.
  • Global Entry & TSA Pre✓® Application Credit – Together with Global Entry, get expedited entrance into the USA from global destinations. Global Entrance members are qualified to take part in TSA Pre✓®, an expedited domestic safety viewing in participating airports in the United States. Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee.
  • VIP Airport Lounge Access with Priority Pass™ Select – enjoy free access to over 1,200 airport lounges across the world with Priority Pass Select–no matter the airline you’re flying or type of ticket you’ve booked. For convenience, Mastercard Black Card members are automatically enrolled in the Priority Pass Select program.
  • Annual fee – $495 annual fee (plus $195 for each Authorized User)

Luxury Card™ Mastercard® Gold Card™


The Luxury Card™ Mastercard® Gold Card™ is the top-of-the-line card offered by Luxury Card and is made from 24-karat gold. Here are the benefits of this card:

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  • Earn 1 point per $1 spent on all purchases
  • 2% value for airfare redemptions
  • No blackout dates
  • 2% value for cash back redemptions
  • Annual airline credit – Mastercard Gold Card members get up to $200 in annual airline credit toward flight-related purchases including airline tickets, luggage fees, updates and much more. For convenience, Luxury Card automatically applies the credit to your account.
  • Global Entry & TSA Pre✓® Application Credit – Together with Global Entry, get expedited entrance into the USA from global destinations. Global Entrance members are qualified to take part in TSA Pre✓®, an expedited domestic safety screening in participating airports in the United States. Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee.
  • VIP Airport Lounge Access with Priority Pass™ Select – Enjoy free access to over 1,200 airport lounges across the world with Priority Pass Select–no matter the airline you’re flying or type of ticket you’ve booked. For convenience, Mastercard Black Card members are automatically enrolled in the Priority Pass Select program.
  • Annual fee – $995 annual fee (plus $295 for each Authorized User)

Benefits Included for All 3 Luxury Card Credit Cards

Before outlining each credit card, here are are the core benefits you get with Luxury Card–regardless of which card you choose:

Luxury Card Concierge®

Available 24/7, Luxury Card Concierge can assist you with travel bookings, various personal requests and much more. Offering around-the-clock service tailored to each card member’s specific needs, Luxury Card Concierge provides a complete lifestyle management tool to ensure you save time and enjoy exceptional service. The Concierge Service is available to every Luxury Cardmember with no hidden fees.

Off the Beaten Path Itineraries

Inspired by curiosity with a desire to investigate new and uncharted lands, Luxury Card’s Off the Beaten Path itineraries offer you true, transformative experiences that immerse you in the local vibe, scenery, and culture.

Hotel & Travel Program

Made exclusively for cardmembers, the Luxury Card Travel program delivers an extensive package of travel services to create your own personal and company travels more effective and more comfortable. Featuring over 3,000 properties and reliable hotel brands around the planet, the choices are endless.

Luxury Card App

The Luxury Card app puts whatever you need into one convenient app on your smartphone. With only a couple of clicks, you will find resort partners, travel providers and lots of member perks. The program also has 24/7 live chat with a concierge broker who can get itineraries and card member profiles to meet any request; accessible 24/7 without the hidden booking fees, since support ought to be easy and straightforward.

Luxury Card EXPERIENCES®

Browse the continually updated, carefully selected travel EXPERIENCES, covering a diverse range of passions and interests such as Culinary & Wine, Activity & Adventure, Sports & Entertainment, Family, Arts & Culture, and Specialty Travel.

Airport Meet & Assist

Save time, steer clear of busy crowds, and eliminate the hassle of airport processes by having an expert representative meet and escort you through the airport process in an expedited manner.

Baggage Delay Insurance

You might qualify for reimbursement of covered items for up to $100 per day (max 3 qualifying times) for qualifying luggage delays of over 4 hours from the moment you arrive in your trip destination.

Trip Cancellation and Interruption

Provides secondary protection for a covered, round-trip purchase when you use your qualified card. You can be reimbursed for the price of the non-refundable, round-trip costs up to $5,000 per insured individual if certain accidental covered events make you cancel or interrupt your trip for a covered reason.

Travel Assistance

Made to aid you or your travel companions if you are traveling 50 miles or more from your home. Service is available 24 hours a day, 365 days per year, and supplies: Master Trip Travel Assistance, Medical Assistance, and Master Legal Referral Service.

Global Acceptance

Your card is accepted at 8 million domestic merchants as well as is part of an operating network in greater than 210 territories and countries.

No Foreign Transaction Fees

No foreign transaction fees on purchases made while traveling abroad.

Travel Accident Insurance

Get coverage up to $250,000 for qualified common carrier accidental death and dismemberment, at no extra cost, when you charge your entire fare on your qualified card to get coverage.

Auto Rental Collision Waiver

Provides a secondary policy for covered damages to a qualified rental automobile when you cover the entire rental transaction with your card and decline the coverage provided by the rental service.

Mastercard Global Service

Experience 24/7 customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Mastercard® Priceless®

Luxury Card members like invitation-only, once-in-a-lifetime encounters. Take a peek behind the scenes, sit courtside, see the dress rehearsal before opening night or find skills from leading experts in their commerce. Mastercard® Priceless® provides exclusive chances to go beyond the normal.

Cellular Telephone Protection

Provides supplemental protection for qualified theft or damage of your qualified cellular wireless telephone.

Mastercard ID Theft Protection™

You’ll get accessibility to a number of identity theft resolution services. This perk offers 24/7 assistance with the replacement of your card and informing the credit report agencies needed if you become a victim of identity theft.

$0 Fraud Liability Protection

Pay only for purchases you’ve authorized with your Luxury Card, whether you pay in a shop, over the phone or online. As a cardmember, you aren’t responsible in case someone makes unauthorized purchases with your card.

Postmates

Postmates supplies on-demand delivery from over 200,000 restaurants and shops across the USA. Get $5 off qualified orders of $25 or more when you use your qualified Luxury Card credit card to order through Postmates.

Lyft

Register and get 5 qualified rides per month with your Luxury Card credit card and receive a $10 Lyft credit. Continue riding to earn credits month after month.

Boxed

Boxed makes shopping for bulk things simple and convenient. Open a Boxed account and use your Luxury Card credit card to get 5% cash rewards on qualified Boxed orders to be used on future purchases.

ShopRunner

Get free of charge 2-day delivery and free return shipping on qualified purchases when you register for a free ShopRunner membership with your Luxury Card credit card Mastercard.

Fandango

Get rewarded much quicker on qualified purchases when you sign up for Fandango VIP. Earn double the points for tickets that you purchase using your Luxury Card credit card, 250 points each ticket. Rack up 500 points and make a $5 VIP + reward.

Onefinestay

Onefinestay gives access to tens of thousands of rental houses and villas around the globe. Cardmembers get a 10% discount on qualified Onefinestay bookings.

How Do These Cards Stack Up?

Here’s a quick comparison of the three cards I just covered:

compare credit cards

As you can tell, the cards offer some nice travel perks that you won’t find on any other travel card. Things like special itineraries, someone guiding you through the airport (and believe me – this is worth it if you’re unfamiliar with the airport), and access to lounges are awesome and luxurious perks.

How Do They Compare On Airfare Redemption Rates?

All three Luxury Cards beat the competition on airfare redemption rates:

Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Gold Card™

How Do They Compare on Cash Back Redemption?

Luxury Card™ Mastercard® Titanium Card™

Luxury Card™ Mastercard® Black Card™

Luxury Card™ Mastercard® Gold Card™

Where Do These Cards Fall Short?

The main issue I have with these cards is the cost compared to what you get. They all have high annual fees, and unless you’re spending a ton of money each year, you may not be able to offset that value.

For example, the Luxury Card™ Mastercard® Gold Card™ has an annual fee of $995. To just break even, you’d have to spend $49,750 on the card in that year. This is a lot more than other comparable cards, such as the American Express Platinum.

That being said, take a look at the comparisons above and you’ll see the true redemption rates are much better than similar cards, but you just need to spend a lot.

There’s also no sign-up bonus for any of these cards, so you’ll have to earn all rewards through aggressive spending.

These cards are designed for luxury benefits and high-spenders.

Should You Get a Luxury Card?

If you spend over $50,000 annually and travel a lot, these cards might be worth it for you. Remember, this isn’t just a high-end travel card, you’re going for luxury here. This means you’ll take advantage of free lounges, advanced itineraries for travel, and having someone escort you through the airport.

Bottom Line

It’s easy to see that there are a handful of accessible cards out there that truly give you the lap of luxury. If you are a big-time spender, travel a lot, and need luxury, you can’t go wrong with any of these cards. But if you’re not quite there yet, take a look at some of our best travel cards that won’t cost you as much.

Topics: Credit Cards

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