Amtrak Guest Rewards World Mastercard

welcome offer

Earn 20,000 points after $1,000 spent within the first 3 months.

Bonus Cash Value

Approximately $400*

Annual Fee

$79

Card Rewards

Earn 3 points per $1 spent on Amtrak travel, including onboard purchases

Earn 2 points per $1 spent on other qualifying travel purchases

Earn 1 point per $1 spent on all other purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Amtrak Guest Rewards® World Mastercard® offers travel benefits, aiming towards Amtrak travel. Benefits include a free annual companion coupon, complimentary station lounge pass, annual upgrade coupon, and more.

Card-Smart Tips & Advice
  • Good credit needed
  • Bank of America will only approve you for a maximum of 2 cards within 2 months, 3 cards within 12 months, and 4 cards within 24 months
  • You can not have more than 5 Bank Of America credit cards
  • Bank Of America will not approve you for a credit card if you have opened more than 2 credit cards (other issuers included) in the past 12 months (and up to 6 credit cards in the past 12 months for Bank Of America Bank Account Holders)
  • You can receive the welcome bonus on the Amtrak Guest Rewards World Mastercard even if you received already a welcome bonus in the past
  • Bank Of America will usually pull your Experian credit report (if you freeze Experian then you can request the reconsideration department to pull your Equifax credit report)
  • You can check your application status  here
  • If declined you can call 1 800 354 0401 to be reconsidered
Card Details And Benefits
  • Receive a companion coupon upon account opening and each year account is renewed
  • Receive 5% Amtrak guest rewards points when you book Amtrak redemption travel
  • Receive 1,000 TQPs toward earning tier status each time your eligible spending reaches $5,000 in a calendar year
  • Receive 20% rebate on food and drinks onboard
  • Complimentary Station Lounge Pass
  • Annual Upgrade Coupon
  • No Foreign Transaction Fee

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.