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Amtrak Guest Rewards® World 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
20000 points (after spending $1,000)

Informr score
The Amtrak Guest Rewards® World Mastercard® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 8 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...


The Amtrak Guest Rewards World Mastercard is designed for people who often ride Amtrak trains and want to earn rewards on their travels. Because this card specifically earns Amtrak Guest Rewards points, it’s meant to be used for Amtrak travel. Travel rewards credit cards typically provide points or...

- Ben Walker, FinanceBuzz

If you plan to use Amtrak this credit card can be a pretty valuable asset, allowing you to travel for free and take advantage of some perks along the way. But if you are an avid train traveler, this card could easily be the most valuable travel credit card due to its high point valuations, bonus ear...

- Daniel Gillaspia, UponArriving

If you frequently travel on Amtrak, the Amtrak Guest Rewards World Mastercard could be a worthwhile card for you. You'll earn 3 points per $1 on Amtrak purchases, 2 points per $1 on other travel purchases, and 1 point per $1 on all other purchases. Plus, you’ll get some valuable perks like an annual...

- Kat Tretina, Investopedia

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

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


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 $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 $40.00


Sign up bonus 20000 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 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

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
  • 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)
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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