Mastercard Titanium Card vs. Sony Card from Capital One

Estimated read time: 2 minutes

Are you a luxe traveler with a wanderlust to see the world, or someone who would prefer a cozy pair of socks and a movie on Netflix? Depending on the type of person you are, your credit card needs are different. In the following article, we’re comparing two cards for two different kinds of shoppers—the Mastercard Titanium credit card and the Sony Card from Capital One—up to and including our take on which one of these might be better for you.

The Sony Card

There’s a lot of notable things about the Sony card. For one, it has higher earning potential. The Sony card has three categories in which you can receive points. Cardholders will receive the most points on Sony products at authorized retailers with purchase confirmation and for certain entertainment purchases, like streaming subscription services like Netflix, Amazon Prime, and Spotify. This is a rarity, and the Sony card is the only card on the market that offers rewards for spending on these types of services.

The Titanium Card

The Titanium card, in comparison, offers a flat point exchange on each dollar spent. This applies to all purchases, but the point rewards are not exceptional. As a travel and luxury card, its most enticing benefits are for high rollers, but so is the annual fee. Cardholders can take advantage of VIP travel perks. One of the highlights includes airport "meet and greets," where you'll get a professional representative to meet and escort you through the airport process in an expedited fashion. You can also enjoy global luggage delivery, complimentary room upgrades, and spa credits. Finally, you’ll receive a subscription to Luxury Magazine.

The Verdict

If you're looking for better everyday rewards, the Sony card is the option, hands down. Like most of Capital One's rewards credit cards, the Sony card is built to maximize rewards while making the rewards accessible to everyone. The Sony card is also unique in that it's the only card on the market that rewards users for online subscription services. All in all, the Sony card is a lot more rewarding to the everyday consumer than the Titanium card, but if you’re a person who likes to travel like a VIP you might find value in the Titanium card even with the fee!