Amtrak Guest Rewards World MasterCard®

The Amtrak Guest Rewards World MasterCard from Bank of America provides points for travel purchases, particularly from Amtrak but also for other qualifying expenses.

You’ll also get a few nice benefits to make your rides a bit cheaper and more comfortable, like companion passes and a chance to ride in ClubAcela for a day for free.

This card has an annual fee of $79, but if you use it enough and make use of the benefits it should be worth the cost. If you’d rather use a more basic card, without an annual fee and with fewer features, take a look at the Amtrak Guest Rewards Platinum MasterCard®.

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Quick View

Quick View

  • Rewards
    • 3 points per $1 spent on Amtrak travel (including onboard purchases)
    • 2 points per $1 spent on other qualifying travel
    • 1 point per $1 spent on all other purchases
    • 5% point rebate when booking Amtrak redemption travel
  • Signup Bonus 20,000 bonus points for spending $1,000 in the first 90 days
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee None
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 13.24% - 23.24% *Variable
  • Cash Advance APR 16.24% - 25.24% *Variable
  • Penalty APR Up to 29.99% *Variable
  • Late Fee Up to $37
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Earn Tier-Qualifying Points

    Each year you can earn 1,000 Tier-Qualifying Points towards a higher status for spending $5,000 (up to 4,000 points per year).

  • Annual Companion Coupon

    Each year you’ll get a companion coupon, which is valid for 1 free companion rail fair with the purchase of 1 regular adult fare.

  • Annual One-Class Upgrade Coupon

    Good for a single-class one-way upgrade, if space is available. Valid only from Coach to Business class, or from Acela Business class to Acela First class, on a single travel segment or leg.

  • Single-Day ClubAcela Pass

    Ride in the ClubAcela first-class lounge. You can bring a guest, or your spouse/domestic partner and children under 21.

Account Management

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile Banking

    Pay your credit card bill online, transfer funds, check available credit and more.

  • Text Banking

    Send a text and get important account information.


  • Fraud 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.

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