Amtrak Guest Rewards Platinum Mastercard®

For People with
Fair Credit



The Amtrak Guest Rewards Platinum Mastercard from Bank of America provides points for travel purchases from Amtrak, which includes onboard purchases.

You’ll get 2X points per dollar spent on Amtrak travel, and 1X point per dollar spent on all other purchases. You can get a signup bonus of 12,000 points for spending $1,000 in the first 90 days.

This card has fairly basic features, but it also has no annual fee. For a more rewarding card, with more points per dollar and valuable benefits, check out the Amtrak Guest Rewards World Mastercard® (Review).

Card Quick Facts

Card Quick Facts

  • 2X points per dollar for Amtrak purchases
  • 12,000 bonus points for spending $1,000 in the first 90 days
  • 5% point rebate when booking Amtrak travel redemptions
  • 10% rebate as a statement credit on your food and beverage purchases on board
  • Points will not expire as long as your account is open
  • No annual fee
  • No foreign transaction fees

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 2X points per dollar spent on Amtrak travel (including onboard purchases)
  • 1X point per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • 12,000 bonus points for spending $1,000 in the first 90 days of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.99%–24.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $28
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.99%–24.99% Variable
Balance Transfer Fee 3%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 19.99%–26.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $0 Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Overdraft Protection

    Link a Bank of America account to your card and prevent declined purchases and return checks if you take out too much money from your account.

  • ShopSafe®

    Protection when you are shopping online.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Tonique Torres
Cancelled Card

I am not the type to leave a review but after my unpleasant experience with Customer Service I had to share and save others from the headache. I applied for this card the first week of February and was given some incorrect information from the service agent assisting me. I called customer service for 2 days straight (of long wait times each day) to rectify the issue (which could have simple been honoring my points) but instead, was just transferred from one department to another being told they were unable to help and were sorry I was misinformed by their agent. I finally decided to just cancel the card as I was very unhappy with the responses I received. To my surprise not even the cancellation department was at all concerned with why I wanted to cancel my account nor tried to talk me out of cancelling they simply put the cancellation through with no care at all. Horrible Customer Service !

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