
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
20,000
Points as welcome offer
Up to 3x
Points
$79
Annual fee
14.99% to 22.99%
Purchase APR (variable)
Annual fee | $79 |
---|---|
Welcome Offer | 20,000 points after spending $1,000 in the first 90 days |
Rewards | 3x points on Amtrak, 2x points on other travel and 1x points on all other purchases |
Purchase APR | 14.99% to 22.99% variable |
Balance transfer APR | 14.99% to 22.99% variable |
Recommended minimum credit score | 670 |
Issuer | Mastercard |
Review by
Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.
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.
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.
To apply for the Amtrak Guest Rewards® World Mastercard®, you must be at least 18 years old and a US citizen or permanent resident.
The chances of your approval for the Amtrak Guest Rewards® World Mastercard® increase with a good to excellent score of 670 or higher.
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.