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Amtrak Guest Rewards® Platinum Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable)
Balance Transfer
13.99% ‐ 23.99% (Variable)
1 - 2 points
Signup Bonus
12000 points (after spending $1,000)

Informr score
The Amtrak Guest Rewards® Platinum Mastercard® currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Amtrak Guest Rewards® Platinum Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


The 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...

- Kevin Payne, FinanceBuzz
The Balance

Offers 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.

- Lindsay Vansomeren, The Balance
Money Crashers

Ideal 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...

- Brian Martucci, Money Crashers


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


Sign up bonus 12000 points after spending $1,000

On purchases within the first 3 months.

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
  • Online Shopping Security
  • Overdraft Protection
  • 10% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards® World Mastercard®
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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