Amtrak Guest Rewards® World Mastercard® review

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Annual Fee:
Purchase Intro APR:
Regular APR:
13.99% - 23.99% Variable APR on purchases and balance transfers
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Best for Amtrak loyalists and commuters

  • Rewards rate: 3X Amtrak Guest Rewards points on Amtrak travel, including onboard purchases; 2X points on other qualifying travel purchase; 1X points for all other purchases
  • Welcome offer: Up to 20,000 bonus Amtrak Rewards points with $1,000 in purchases first 90 days of account opening
  • Annual fee: $79
  • Purchase intro APR: N/A
  • Balance transfer intro APR: N/A
  • Regular APR: 13.99 percent to 23.99 percent variable

Amtrak enthusiasts are rewarded generously with the Amtrak Guest Rewards® World Mastercard®. This Bank of America credit card features a substantial welcome offer, plus several other fun perks within the year. If you use train travel for transportation, you will be rewarded with 3X the bonus points for all your Amtrak travel purchases, including the ones you make onboard.

Current welcome offer

The Amtrak Guest Rewards World Mastercard offers a 20,000 point bonus if you use your card for $1,000 in purchases during the first 90 days. With Amtrak Guest Rewards points currently valued by The Points Guy at around 2.5 cents each, the bonus offer alone is worth $500 in Amtrak travel.


Earning rewards with the Amtrak Guest Rewards World Mastercard is straightforward, and Amtrak enthusiasts will quickly accumulate points they can use on travel and more.

Earning rewards

You earn 3X bonus points for all Amtrak purchases, even your onboard purchases such as food and drinks. You earn 2X the bonus points for non-Amtrak, qualifying travel and 1X bonus points for all other purchases. There is no limit to how many points you can earn, so be sure to take full advantage.

Redeeming rewards

One of the best perks of the point structure is as long as your account remains open, your points never expire. You can save them up and use them on Amtrak travel, gift cards, hotels, car rentals and more.

And when you do finally book your reward travel through Amtrak, you’ll earn 5 percent back in points to use once again.


Bankrate’s Amtrak Guest Rewards World Mastercard review reveals several freebies and perks along with the welcome offer and robust point structure. You’ll enjoy benefits such as free companion travel and upgrades on Amtrak travel.

Free companion passes

Every year, when your renewal date rolls around, you’ll receive one free companion pass. Depending on your travel destination, this could be worth several hundred dollars.


When your card renews, you’ll receive a one-pass class upgrade, plus a one-time pass for a complimentary visit to the station lounge. As you reach higher tier levels with your earned points, you can earn upgrades as well. With the Amtrak Guest Rewards World Mastercard, you earn 1,000 Tier Qualifying Points (TQPs) towards tier status each time your purchases reach $5,000 in a calendar year.


When you use your card on board during Amtrak travel, you’ll earn a 20 percent statement credit for your food and beverage purchases.

Rates and fees

The regular APR for this card is 13.99 percent to 23.99 percent, depending on your creditworthiness. One drawback to this card is the lack of an introductory APR for purchases or balance transfers, so if you’re planning to use your card for a balance transfer, you’re immediately subject to the regular APR. Cash advances are subject to an APR between 16.99 percent to 26.99 percent.

The card has a $79 annual fee, along with a $10 or 3 percent fee (whichever is greater) for balance transfers. For cash advances, it’s even higher—$10 or 5 percent, whichever is greater.

If you travel overseas and need to use this card, the Amtrak Guest Rewards World Mastercard does not charge you foreign transaction fees.

How the Amtrak Guest Rewards World Mastercard compares to other travel cards

Card name Welcome offer  Rewards Intro APR Annual Fee Foreign transaction fees
Amtrak Guest Rewards World Mastercard Up to 20,000 bonus Amtrak Rewards points with $1,000 in purchases first 90 days of account opening 3X points on Amtrak travel (including onboard purchases); 2X points on all other qualifying travel; 1X points on all other purchases None; 13.99% to 23.99% variable APR


$79 None
Chase Sapphire Preferred® Card 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. 5X points on Lyft Rides (Lyft offer through March 2022); 1X points on other purchases None; 15.99% to 22.99% variable APR $95 None
Capital One VentureOne Rewards Credit Card 20,000-mile bonus for spending $500 in purchases in first three months 1.25X miles on all purchases 0% on purchases for 12 months; 14.99% to 24.99% variable APR after $0 None

The Amtrak Guest Rewards World Mastercard is one of several travel credit cards available, so how does it stack up to other popular options?

Compare it to the Chase Sapphire® Preferred Card. The Chase Sapphire Preferred has a $95 annual fee and doesn’t have an introductory APR on purchases or balance transfers, either. However, the 60,000 points in Chase Ultimate Rewards welcome offer (if you spend $4,000 in the first 3 months) is seriously enticing and worth $750 when redeemed for travel through Chase Ultimate Rewards.

Compare the Amtrak Guest Rewards World Mastercard to the Capital One VentureOne Rewards Credit Card, which doesn’t have an annual fee and offers a 0 percent APR on purchases for 12 months (14.99 percent to 24.99 percent variable APR after). The VentureOne also gives you 20,000 bonus points if you spend $500 in the first three months. These points can be used for airline travel if you prefer to travel by plane instead of train.

Best cards to pair with the Amtrak Mastercard

If you see a balance transfer taking place in your future, pair the Amtrak Guest Rewards World Mastercard with a card offering a 0 percent introductory APR on balance transfers. This way, you can still earn your Amtrak perks but not be financially dinged with a higher APR on a balance transfer. Plus, with a lower balance transfer APR, you can pay down your balance faster.

Bankrate’s Take—Is the Amtrak Guest Rewards World Mastercard worth it?

The bottom line is, if you still enjoy traveling by train or if you rely on the train for your daily commute, then the Amtrak Guest Rewards World Mastercard is worth a serious look. Even with the $79 annual fee and lack of introductory APRs on purchases or balance transfers, you can still earn a substantial amount in free train travel. The welcome bonus and annual perks, plus the 3X points on Amtrak travel, means you can be rewarded whether you’re a commuter or going on vacation.


  • 20,000-bonus-point sign-up offer after spending $1,000 in purchases first 90 days of account opening
  • Free companion ticket annually
  • One-time pass upgrade and station lounge access


  • $79 annual fee
  • No intro APR on purchases or balance transfers

The information about the Amtrak Guest Rewards® World Mastercard® has been collected independently by The card details have not been reviewed or approved by the card issuer.