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Amtrak Guest Rewards World Mastercard

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welcome offer

Earn 20,000 points after spending $1000 within the first 90 days.

Bonus Value

Approximately $370

Annual Fee

$79

Card Rewards

– 3 points on Amtrak travel, including onboard purchases
– 2 points on other qualifying travel purchases
– 1 point on all other purchases

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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
  • Credit: Good credit needed
  • Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
  • You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. Unless you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
  • 24 month rule: The Amtrak Guest Rewards World Mastercard may not be available to you if you currently have or have had the Amtrak Guest Rewards World Mastercard in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months
  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
  • Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: If declined you can call 1-888-762-5486 to be reconsidered
  •  
  • Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.

  • Downgrade options: You can downgrade the Amtrak Guest Rewards card ($79) to any of the following cards:  Bank Of America Customized Cash Rewards ($0), Bank Of America Travel Rewards ($0), Bank Of America Unlimited Cash Rewards ($0).

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
779 Avg. Score of those approved
0% Denied
Approved 100% (2)
Denied 0% (0)

Credit limit range $10,000-$13,000

Avg. Credit limit$11,500

Approved 100% (2)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
The Amtrak Guest Rewards World Mastercard may not be available to you if you currently have or have had the Amtrak Guest Rewards World Mastercard in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months
Card Details And Benefits
Rewards

- 3 points on Amtrak travel, including onboard purchases
- 2 points on other qualifying travel purchases
- 1 point on all other purchases

Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Get boosted to a higher status faster! Receive 1,000 TQPs toward earning tier status after spending $5,000 each calendar year.

Extra Redemption Value

Get 5% Amtrak guest rewards points when you book Amtrak redemption travel.

Companion Certificate

Earn a free companion certificate upon account opening and each year your account is renewed.

Lounge Access

Complimentary Station Lounge Pass.

Cell Phone Protection

Pay your monthly cell phone bill with this card and be covered in case your phone is stolen or damaged. (There is a $50 deductible on each claim. Max $800 per claim, $1,000 per year. Limit 2 claims per year).

Inflight Savings

Receive 25% back for inflight purchases of food and drinks.

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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.

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