Amtrak Guest Rewards World Mastercard Review

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The Amtrak Guest Rewards World Mastercard, issued by Bank of America, is Amtrak’s top-of-the-line credit card. It packs in a lot of extra luxury touches that frequent Amtrak travelers are sure to appreciate, although it’s not quite as feature-rich as some other travel rewards cards.

Amtrak Guest Rewards® World Mastercard®

Overall Rating
Amtrak Guest Rewards® World Mastercard®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $79
Rewards Earning Rate Earn 3 Amtrak Guest Rewards points per $1 spent with Amtrak, 2 points on other qualifying travel purchases,1 point spent on all other purchases.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Get 20,000 bonus points after you make $1,000 or more in purchases within 90 days of account opening.

Who Is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker

Who Is This Credit Card Best For?

There’s a good chance you’re already an Amtrak fan if you’re reading this, but are you enough of a fan to choose this card? We calculate that each Amtrak Guest Rewards point is worth about 2.5 cents apiece when you redeem for train tickets. That means you’d need to spend at least $1,054 per year on Amtrak travel (the card’s best rewards-earning rate) to break even after you take the $79 annual fee into account. If that’s you, this card may be a good fit.

If you’re not an Amtrak superfan but still want to earn some rewards points and perks from your Amtrak travel, consider the Amtrak Guest Rewards Platinum Mastercard, which doesn’t charge an annual fee.

The Amtrak Guest Rewards World Mastercard is also a good choice if you prefer to travel in style or with a friend. You’ll get coupons each year that allow you to bring a friend, get a complimentary fare upgrade, or get one complimentary visit to the station lounge. 

  • Valuable rewards points

  • 20% rebate on food and drinks on Amtrak trains

  • A trio of annual travel coupons

  • Blackout dates apply

  • Inflexible rewards program

  • Few points transfer options, and restrictive rules

Pros Explained

  • A trio of annual travel coupons: When you’re approved for the card, and on your cardholder anniversary every year thereafter, you’ll get three coupons to make the going friendlier and more comfortable: a companion coupon for a friend (max ticket value $300); a travel class upgrade (max value of $150); and one station lounge pass (max value $25).
  • Valuable rewards points: We calculate that Amtrak Guest Rewards points are worth 2.5 cents apiece when redeemed for train fare on Amtrak. (And you’ll get a 5% points rebate for using them this way.) We consider any points redemption value above 1 cent per point to be a good deal—2.5 cents is rare, even among the better travel rewards programs.   
  • 20% rebate on food and drinks on Amtrak trains: If you get hungry or thirsty while riding the rails, you’ll get a 20% rebate back in the form of a statement credit when you pay for your snacks and beverages with your Amtrak Guest Rewards World Mastercard.

Cons Explained

  • Blackout dates apply: There are slightly fewer options available for train tickets if you use your points to book the trip than if you pay with cash or credit. It might not be a big deal if you plan well in advance, but it could get in the way if you’re planning a last-minute trip for a popular travel time, for example. 
  • Inflexible rewards program: You can use your Guest Rewards points to pay for many things: Amtrak travel, gift cards, hotels, car rentals, and more. The catch is that these categories don’t include as many options as other rewards programs. 
  • Few points transfer options and restrictive rules: If you have this credit card, you may transfer your Guest Rewards points to three other rewards programs—but only if you’ve already spent at least $20,000 on your card for that year. Even then, you can only transfer up to 25,000 points total.

Amtrak Guest Rewards World Mastercard’s Bonus for New Cardholders

If you’re able to spend $1,000 or more within the first three months of getting this card, you’ll earn a bonus of 20,000 points. That’s worth more than $400 towards Amtrak travel, according to our math.

That’s a good bonus while the offer is available, but the regular bonus may not be quite as good as comparable airline cards offer. Then again, there aren’t really any other major train networks in the U.S. to compare to. To put it into a bit more perspective, 20,000 points is more than enough to book a one-way ticket.

Earning Points and Rewards

You’ll earn 3 Guest Rewards points for every $1 spent on Amtrak purchases, which is slightly more than comparable airline cards offer. You’ll also earn 2 Guest Rewards points for every dollar spent on other travel purchases such as hotels and car rentals and 1 point for every dollar spent on everything else.

Another way you can earn points is by redeeming your already-accumulated points for an Amtrak ticket. When you do, you’ll get a 5% points rebate credited back to your account. So, if you book a 5,000-point ticket, for example, you’ll get 250 points kicked back into your account.

Redeeming Rewards

The trickiest part of using your card is probably redeeming rewards. On its surface, it seems like you have a lot of options. But once you dig in, you’ll find the choices within categories are limited, especially when compared to more wide-reaching travel rewards programs like Chase Ultimate Rewards.

We recommend sticking to redeeming your points for train tickets since, in our estimation, that’s the best redemption value (around 2.5 cents per Guest Rewards point). This value might vary, though, depending on when you choose to travel and where you choose to go. 

You can also redeem your points for gift cards, car rentals, and hotels, although you’ll get less value per point with those options. This is especially true for hotels and rental cars, based on our survey of Amtrak’s offerings via its portal.

If you spend at least $20,000 each year with your card, you’re allowed to transfer up to 25,000 of your points out of your Guest Rewards account to Audience Rewards which is for Broadway shows.

How to Get the Most out of This Card

We recommend always using your card to pay for Amtrak purchases, including tickets and food and beverages along the way. You should redeem your points for more Amtrak tickets in order to get the most value. This card comes with a lot of annual side benefits such as the companion ticket, class upgrade, and lounge access, so keep track of those.

This card can also give you a boost in status within Amtrak’s Guest Rewards loyalty program. For every $5,000 you spend on the card, you’ll earn 1,000 Tier Qualifying Points (TQPs) toward the next level of status. You can earn a maximum of 4,000 TQPs this way annually. (You’ll need 5,000 TQPs to qualify for the first tier above the basic membership.)

Customer Experience

You can always reach 24/7 customer service with Bank of America. Bank of America ranked third among 11 major card issuers in a 2021 survey by J.D. Power. One of the nice things it offers is a free FICO score.

Security Features

Similarly, Bank of America follows all the industry-standard security practices to protect you from fraud, but it doesn’t go beyond that.

Amtrak Guest Rewards World Mastercard’s Fees

This card’s fees aren’t out of line with what its competitors charge, with one exception: cash advances. In general, cash advances aren’t a great choice with credit cards because they’re expensive, but with this card, there’s a confusing fee scheme depending on how you get your cash. However, bank cash advances have a flat fee of 28.99%. Our advice is to avoid cash advances entirely if you can.

Next Steps
For Amtrak Guest Rewards® World Mastercard®
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Amtrak Guest Rewards® World Mastercard®
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.99% - 23.99% variable
Annual Fee $79
Rewards Earning Rate Earn 3 Amtrak Guest Rewards points per $1 spent with Amtrak, 2 points on other qualifying travel purchases,1 point spent on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed September 2, 2021.