Amtrak Guest Rewards World Mastercard review | finder.com

Amtrak Guest Rewards® World Mastercard® review – January 2019

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Amtrak Guest Rewards® World Mastercard®

Ride the rails for a 20,000-point signup bonus, companion tickets, travel upgrades and lounge access to 500+ US destinations.

30-second take

  • Get this card if… you frequently ride the rails with Amtrak or want to save on foreign transaction fees.
  • Recommended good to excellent credit score of 670 or higher.
Product NameAmtrak Guest Rewards® World Mastercard®
Card TypeMastercard
Annual Fee$79
APR (Annual Percentage Rate) for Purchases17.24% to 25.24% variable
Introductory Purchase APR

N/A

Balance Transfer APR17.24% to 25.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate20.24% to 27.24% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $27
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferGet 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening.
Reward Value per Dollar1x points
Rewards Points ExpirationNever

The basics

If you’re looking for a travel card that earns you rewards for railroad travel, the Amtrak Guest Rewards® World Mastercard® is worth looking into. It comes with a generous 20,000 point signup bonus when you spend $1,000 in the first 90 days — enough for a free trip on Amtrak to more than 500 destinations.

If you travel with Amtrak often, you’ll earn 3x points on all purchases with Amtrak and its travel partners — like Hertz, Hilton HHonors and Teleflora. Earn 2x points on qualifying travel purchases and 1x points on all other purchases. There’s no limit to how many points you can earn, and they don’t expire as long as your account is in good standing.

When you open your credit card, you’ll also get a complimentary companion ticket, a one-class upgrade and a single-visit pass to a variety of exclusive lounges. All of these perks for an annual fee of $79.

Alternative pick for travel points: Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.
  • No foreign transaction fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your card. Plus, spend $20,000 on eligible purchases on your card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No annual fee.
  • Terms apply.
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The perks

  • Signup bonus.

    Not only can you earn 20,000 bonus points after you spend $1,000 in the first 90 days, but also get a Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass that provides access to ClubAcela, Amtrak Metropolitan Lounge or First Class lounges on account opening.

  • Annual gifts.

    Receive a Companion Coupon and One-Class Upgrade each year on your anniversary.

  • Rewards points for your spending.

    You’ll earn 3x points on all purchases made with Amtrak, 2x points for other qualifying travel and 1x points on anything else.

  • Redeem points.

    Redeem your points through Amtrak Guests Rewards for rail tickets, car rentals, hotels, gift cards and more.

  • Use outside the US with no fees.

    You’ll pay 0% foreign transaction fees when you use this card overseas.

You’ll also like …

  • Points rebate on tickets.

    When you redeem points for an Amtrak ticket, you get a 5% rebate on the points you redeem. That means when you redeem 200 points, you’ll receive 10 points back in your Amtrak Guest Rewards account.

  • Points transfer.

    If you spend more than $20,000 each year, redeem up to 25,000 points for Audience Rewards or hotel points.

  • Security and protection.

    Protected by a chip, this card offers increased security and comes with a $0 liability guarantee to protect you from fraud.

What to watch out for

  • Annual fee.

    If you don’t travel with Amtrak frequently, paying the annual fee of $79 may not be worth it.

  • Stiff penalties.

    Paying late can cost you up to $38, and return payments come with a $27 fee, in addition to a penalty APR of up to 29.99% variable.

Consider other cards if …

  • You don’t travel with Amtrak.

    This Amtrak Guest Rewards® World Mastercard® won’t do much for you if you’re not a frequent Amtrak traveler.

  • You don’t want to pay annual fees.

    Other no-annual-fee cards let you earn and redeem rewards across brands and reward types.

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
18.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
18.24%, 22.24% or 25.24% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
1x points
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
1x points
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
17.24% variable
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.

Compare up to 4 providers

What to know before you apply

To apply for the Amtrak Guest Rewards® World Mastercard®, you must be at least 18 years old and a US citizen or permanent resident.

Information you’ll need

  • Your full name and contact information
  • Your residential status
  • Your annual income, source of income and employment information

What credit score do I need?

The chances of your approval for the Amtrak Guest Rewards® World Mastercard® increase with a good to excellent score of 670 or higher.

How to apply for the card

  1. Go to Bank of America’s Amtrak Guest Rewards® World Mastercard® site and click Apply Now.
  2. Complete the application with your personal and financial information. Click Review your information.
  3. Confirm that the information is correct and submit your application.

How long will it take to be approved?

Because conditional approval is automated on Bank of America’s website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Make timely payments. Pay your card statement online at the Bank of America website, where you can also enroll in autopay.
  • Avoid unnecessary interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Bank of America support at 800-732-9194 or send a secured email from your account. You can also connect with BofA on Twitter @BofA_Help or Facebook @BankofAmerica.

Bottom line

If you frequently enjoy relaxed rides to any of Amtrak’s 500 destinations, the Amtrak Guest Rewards® World Mastercard®’s benefits can easily offset its $79 annual fee — including points toward free travel and rebates for points redemption. If you don’t travel with Amtrak, consider finding another travel rewards card.

Common questions about the Amtrak Guest Rewards® World Mastercard®

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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