Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Kevin Payne, FinanceBuzzThe Amtrak Guest Rewards Platinum Mastercard is a decent option if you are a regular Amtrak customer and looking for a way to earn discounted or free Amtrak trips. The card offers decent value as a no-fee rewards card, though the Amtrak Guest Rewards World Mastercard offers more Amtrak-related perks...
- Lindsay Vansomeren, Dale Brauner, The BalanceOffers decent value for regular train travelers—as long as you don’t mind being pinned down to just a few rewards-earning and -redemption options.
- Brian Martucci, Money CrashersIdeal for people who use Amtrak often enough to reliably redeem points for Amtrak travel. Since it has no annual fee, it’s a fine choice for light to moderate spenders, though the lack of a cash and points redemption option is problematic. This card is not great for infrequent Amtrak users, nor thos...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
13.99% ‐ 23.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
13.99% ‐ 23.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
16.99% ‐ 26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% Minimum of $10 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
12000 points after spending $1,000 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 1 point per $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel |
2 points per $1 spent On Amtrak travel, including onboard purchases |
| Pharmacy | No |
| Bills | No |
| Additional Details |
Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel. |
| Features & Benefits | |
| Additional Card Holders |
|
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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