Amtrak Guest Rewards World Mastercard®

For People with
Good Credit

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®.

Card Quick Facts

Card Quick Facts

  • 3 points per dollar for Amtrak purchases
  • 2 points per dollar on other qualifying travel purchases
  • 20,000 points for spending $1,000 in 90 days
  • 5% point rebate when booking Amtrak travel redemptions
  • Earn 1,000 tier-qualifying points for every $5,000 you spend
  • Annual Companion Coupon and One-Class Upgrade Coupon
  • Single-Day ClubAcela Pass
  • $79 annual fee
  • 13.24% – 23.24% APR *Variable

For People with
Good Credit

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Card Details



  • 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
How to Redeem

Introductory Bonus

  • 20,000 bonus points for spending $1,000 in the first 90 days
Card Stats

Card Stats

Annual Fee $79
Additional Cards Annual Fee -
Regular Purchase APR 13.24% - 23.24% *Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 29.99% *Variable
Late Fee Up to $37
Returned Payment Fee Up to $27
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 13.24% - 23.24% *Variable
Balance Transfer Fee 3% ($10 min)
Cash Advances

Cash Advances

Cash Advance APR 16.24% - 25.24% *Variable
Cash Advance Fee 5% ($10 min)

Card Benefits

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

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