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Amtrak Guest Rewards® Preferred Mastercard® review

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Advertiser Disclosure

Annual Fee
$99.00
Interest Rate: Purchases
28.24% (Variable)
Interest Rate: Purchases
28.24% (Variable)
Balance Transfer
28.24% (Variable)
Balance Transfer
28.24% (Variable)
Rewards
1 - 2 points
Rewards
1 - 2 points
Signup Bonus
40000 points (after spending $2,000)
Signup Bonus
40000 points (after spending $2,000)


Am I eligible?


Amtrak Guest Rewards® Preferred 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...


FinanceBuzz
FinanceBuzz

The Amtrak Guest Rewards Preferred Mastercard makes sense if you frequently use Amtrak for train travel. With specific Amtrak-related rewards and benefits, this is a unique card that’s well-suited for Amtrak travelers.

- Ben Walker, FinanceBuzz

Details


Interest Rates
Regular APR Interest Rate 28.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 28.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $15

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 40000 points after spending $2,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 2 points per $1 spent
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent

On travel, transit and rideshare

Pharmacy No
Bills No
Additional Details
  • 3 points per $1 spent on Amtrak travel, including onboard purchases
  • 20% rebate on onboard food and beverage purchases
  • 5% point rebate when you redeem your points for Amtrak travel
  • Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Round-trip companion coupon upon account opening and card anniversary
  • One-class upgrade upon account opening and card anniversary
  • Station lounge pass upon account opening and card anniversary
  • Earn tier status faster
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments -
Terms & Conditions Official Terms & Conditions
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