Amtrak Guest Rewards® World Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 25.24%
Balance Transfer
17.24% ‐ 25.24%
Rewards
1 - 2 points
Signup Bonus
40000 points (after spending $2,500)


7.9/10
Informr score
The Amtrak Guest Rewards® World Mastercard® currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Amtrak Guest Rewards® World 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...


Finder

If you frequently enjoy relaxed rides to any of Amtrak’s 500 destinations, the Amtrak Guest Rewards card’s benefits can easily offset its $79 p.a. annual fee — including points toward free travel and rebates for points redemption.

- Finder team, Finder
RewardExpert

The card has a $79 annual fee, but that is easily recouped each year with the annual companion certificate and the annual upgrade certificate. If you travel by train at least a couple of times per year, this card is a really valuable option for everyday spending.

- Caroline Lupini, RewardExpert
Bankrate

The Amtrak Guest Rewards World Mastercard was built for the frequent Amtrak traveler. Not only will you get generous points per dollar — 3 Amtrak Guest Rewards points on Amtrak travel, but you can also look forward to a couple valuable freebies each year, including a free companion pass.

- Natalie Campisi, Bankrate
Bank Deal Guy

When applying for this card, do keep in mind the annual fee. For the annual fee and features provided, this card may not be worth it considering the fairly low bonus amount. There are definitely better cards out there that offer more bonus points and more features for less.

- Danny Nguyen, Bank Deal Guy
ValuePenguin

If you travel with Amtrak at least once a year, this Bank of America Amtrak credit card is a good investment for you. Between the rewards it offers on different spending, and the loyalty cardmember benefits, the card certainly pulls its weight, and serves as a decent addition to one’s wallet.

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 25.24%

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

Balance Transfer Interest Rate 17.24% ‐ 25.24%

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

Cash Advance Interest Rate 20.24% ‐ 27.24%

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

Rates & Fees
Annual Fee $79.00
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 $38.00

Maximum

Promotions
Sign up bonus 40000 points after spending $2,500

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 other qualifying travel purchases

Pharmacy No
Bills No
Additional Details
  • Earn 3 points per $1 spent with Amtrak.
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
  • Earn 1,000 Tier Qualifying Points toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
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 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, Android Pay
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
  • 20% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards® World Mastercard®
  • Get a complimentary Single-Visit Station Lounge pass upon account opening (worth up to $25 in Amtrak travel)
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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Critic Reviews


Finder

A travel card that earns you rewards for railroad travel

from Finder

If you frequently enjoy relaxed rides to any of Amtrak’s 500 destinations, the Amtrak Guest Rewards card’s benefits can easily offset its $79 p.a. annual fee — including points toward free travel and rebates for points redemption.

Read full review

If you frequently enjoy relaxed rides to any of Amtrak’s 500 destinations, the Amtrak Guest Rewards card’s benefits can easily offset its $79 p.a. annual fee — including points toward free travel and rebates for points redemption.

Read full review

Less

RewardExpert

If you like to travel by train, the Amtrak card deserves a place in your wallet

from RewardExpert

The card has a $79 annual fee, but that is easily recouped each year with the annual companion certificate and the annual upgrade certificate. If you travel by train at least a couple of times per year, this card is a really valuable option for everyday spending.

Read full review

The card has a $79 annual fee, but that is easily recouped each year with the annual companion certificate and the annual upgrade certificate. If you travel by train at least a couple of times per year, this card is a really valuable option for everyday spending.

Read full review

Less

Bankrate

If your ride the rails, this is the card for you

from Bankrate

The Amtrak Guest Rewards World Mastercard was built for the frequent Amtrak traveler. Not only will you get generous points per dollar — 3 Amtrak Guest Rewards points on Amtrak travel, but you can also look forward to a couple valuable freebies each year, including a free companion pass.

Read full review

The Amtrak Guest Rewards World Mastercard was built for the frequent Amtrak traveler. Not only will you get generous points per dollar — 3 Amtrak Guest Rewards points on Amtrak travel, but you can also look forward to a couple valuable freebies each year, including a free companion pass.

Read full review

Less

Bank Deal Guy

There are definitely better cards

from Bank Deal Guy

When applying for this card, do keep in mind the annual fee. For the annual fee and features provided, this card may not be worth it considering the fairly low bonus amount. There are definitely better cards out there that offer more bonus points and more features for less.

Read full review

When applying for this card, do keep in mind the annual fee. For the annual fee and features provided, this card may not be worth it considering the fairly low bonus amount. There are definitely better cards out there that offer more bonus points and more features for less.

Read full review

Less

ValuePenguin

An excellent card for dedicated Amtrak travelers

from ValuePenguin

If you travel with Amtrak at least once a year, this Bank of America Amtrak credit card is a good investment for you. Between the rewards it offers on different spending, and the loyalty cardmember benefits, the card certainly pulls its weight, and serves as a decent addition to one’s wallet.

Read full review

If you travel with Amtrak at least once a year, this Bank of America Amtrak credit card is a good investment for you. Between the rewards it offers on different spending, and the loyalty cardmember benefits, the card certainly pulls its weight, and serves as a decent addition to one’s wallet.

Read full review

Less

User Reviews


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