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Amtrak Guest Rewards® Mastercard®

Cory Santos

| Last updated on November 22nd, 2023

Amtrak Guest Rewards® Mastercard®

Amtrak Guest Rewards® Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
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None Annual Fee

Amtrak Guest Rewards® Mastercard®

  • 28.24% variable based on the Prime Rate Regular Purchase APR
  • 28.24% variable based on the Prime Rate Balance Transfer APR
  • 29.74% variable based on the Prime Rate Cash Advance APR

At a Glance

For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® World Mastercard® is a smart piece of plastic to have around, as it rewards cardmembers early and often.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 2X points on Amtrak travel, including onboard purchases, and dining
  • Earn 1X points on all other purchases
  • No annual fee
  • Regular Purchase APR: 28.24% variable based on the Prime Rate
  • Balance Transfer APR: 28.24% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • You travel often by train
  • You frequently make purchases with Amtrak
  • You're looking for a travel credit card with no foreign transaction fees
  • You wish to earn points through the Amtrak Guest Rewards® program
Amtrak Guest Rewards® Mastercard®

Amtrak Guest Rewards® Mastercard®

Terms & Conditions

Amtrak Guest Rewards® Mastercard® Review

The Amtrak Guest Rewards® World Mastercard® is a quality credit card for both rail-enthusiasts and casual commuters alike.

Introductory Bonus Offer

New Amtrak Guest Rewards® Mastercard® cardholders earn 12,000 bonus points after spending at least $1,000 on purchases within the first 90 days of opening an account. That bonus is redeemable via the Amtrak Guest Rewards® program.

How to Earn Points with the Amtrak Guest Rewards Mastercard

While working towards reaching that $1,000 mark within the first three months, cardholders will also be accumulating additional points. Cardholders earn 2X points per $1 spent on Amtrak travel, including onboard purchases. That 2X category also applies to dining purchases, meaning the Amtrak Card – which charges no annual fee – is great for everything from travel to date nights. All other purchases with the card earn 1X points per $1 spent. 

How to Redeem Points with the Amtrak Guest Rewards Mastercard

Amtrak Guest Rewards offers several redemption options for members. The simplest way to redeem points is by booking award travel with Amtrak. Members can book travel with Amtrak from as low as 800 points, providing scenic access to more than 500 stops across the United States.

Beyond Amtrak fares and upgrades, travel-conscious cardholders can also use their points to redeem for hotels, car rentals, and even cruises. In addition to travel, points apply towards event bookings and experiences, gift cards, or merchandise through the Amtrak Guest Rewards shopping portal.

Amtrak Guest Rewards

The Amtrak Guest Rewards Card earns points towards the Amtrak Guest Rewards loyalty program. While that program might not be familiar to many, it offers significant value. Amtrak Guest Rewards points are among the most valuable rewards points, with a current value of approximately 2.5 cents per point.

The best option for redeeming points with the program is towards free travel on the Amtrak network. Points also apply for upgrades, services, and other options. Amtrak Rewards transfer to a variety of other programs, including Choice Hotels, Hertz, Hilton Honors, and Wyndham Rewards. Cardholders also benefit from a 5% award travel rebate when they book their redemption travel through Amtrak.

Other Card Features

Other card features include no annual fee, Mastercard card protection, and free FICO Score alerts. Plus, cardholders can make purchases internationally or in foreign currencies without incurring any foreign transaction fees.

Moreover, cardholders can enjoy savings on Amtrak purchases. This card provides a 10% statement credit rebate for onboard food and beverage purchases, plus a 5% rebate when redeeming points for Amtrak travel.

FNBO Ratings

How does First National Bank of Omaha (FNBO or First Bankcard) stack up as a lender and credit card issuer? Here is a selection of ratings for the bank:

Should You Apply for the Amtrak Guest Rewards® Mastercard®?

Is the Amtrak Guest Rewards® World Mastercard® worth applying for? That depends on the travel preferences of the potential applicants. For those who love to ride the rails or use the Amtrak system to commute to work, the card offers fairly exceptional value.

The card – and the Amtrak Guest Rewards program – also provide value on everyday travel. The addition of 2X points on dining purchases is another nice perk for those who want a card that gets them to their next free at a discount – or even for free.

For those who don’t use the Amtrak system, however, there are more relevant offers available from First Bankcard.

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