Amtrak Guest Rewards® World Mastercard®
in Personal Credit Cards from Bank of America
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| Balance Transfer APR (Variable APR) | 16.99% - 24.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $79 |
| Purchase APR (Variable APR) | 16.99% - 24.99% |
Amtrak Guest Rewards® World Mastercard® Review
Amtrak Guest Rewards® World Mastercard® is a rewards credit card issued by Bank of America. If you're wondering whether Amtrak Guest Rewards® World Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a a rewards rate of up to 3x.
- Signup bonus. Offers a signup bonus of 40000 points after spending $2,500 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Amtrak Guest Rewards® World Mastercard® has a variable purchase APR that ranges from 16.99% up to 24.99%.
- 3% Balance transfer fee. Amtrak Guest Rewards® World Mastercard® charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, purchase protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
|---|---|
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Is there a Amtrak Guest Rewards® World Mastercard® cash back or rewards program?
Amtrak Guest Rewards® World Mastercard® offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 40000 |
| Signup Bonus Spend Requirement | $2500 |
| Signup Bonus Spend Period (months) | 3 months |
Does Amtrak Guest Rewards® World Mastercard® have a signup bonus?
Amtrak Guest Rewards® World Mastercard® doesn't offer a cash signup bonus. However, it does include a 40000 points signup bonus after spending $2500 that can be redeemed for travel, gifts, or other perks.Does Amtrak Guest Rewards® World Mastercard® offer an annual loyalty bonus?
Amtrak Guest Rewards® World Mastercard® doesn't offer a cash loyalty bonus.What are the Amtrak Guest Rewards® World Mastercard® benefits?
Amtrak Guest Rewards® World Mastercard® provides the following benefits:
- Free Credit Score
- Extended Warranty Protection
- Zero fraud liability
- No blackout dates when redeeming miles
- ID Theft Protection
What are the relevant APRs for Amtrak Guest Rewards® World Mastercard®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Amtrak Guest Rewards® World Mastercard® has a variable purchase APR that ranges from 16.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 24.99%. It also has a variable cash advance APR that ranges from 19.99% up to 26.99%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Amtrak Guest Rewards® World Mastercard® have an introductory APR offer on balance transfers??
No, Amtrak Guest Rewards® World Mastercard® does not come with an introductory APR offer for balance transfers.Does Amtrak Guest Rewards® World Mastercard® have an introductory APR offer on new purchases??
Amtrak Guest Rewards® World Mastercard® does not offer an introductory rate on new purchases.What are the Amtrak Guest Rewards® World Mastercard® fees?
The following fees apply to Amtrak Guest Rewards® World Mastercard®:
| Fees | Amount |
|---|---|
| Annual Fee | up to $79 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $28 |
| Late Payment Fee | $39 |
Does Amtrak Guest Rewards® World Mastercard® have a foreign transaction fee?
Amtrak Guest Rewards® World Mastercard® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.How to apply for Amtrak Guest Rewards® World Mastercard®
- Visit the Amtrak Guest Rewards® World Mastercard® website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
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100 North Tryon Street
#170
Charlotte, NC 28255 - Visit Site
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
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- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
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- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | Earn 1 point for each $1 spent on all other purchases |
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4 total votes
Balance Transfer APR
15.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$0
Purchase APR
15.49% - 25.49%
(Variable APR)
Bank of America® Travel Rewards Credit Card
5 total votes
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
14.49% - 24.49%
(Variable APR)
Balance Transfer APR
17.99% - 24.99%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.99% - 24.99%
(Variable APR)
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
14.99% - 24.99%
(Variable APR)
Balance Transfer APR
17.99% - 25.99%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$75
Purchase APR
17.99% - 25.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
15.99% - 25.99%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
15.99% - 25.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$59
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$89
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Fixed APR)
Credit Score Range
700 - 850
Annual Fee
$75
Purchase APR
16.99% - 24.99%
(Fixed APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$90
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$99
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$59
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
24.49%
Credit Score Range
300 - 850
Annual Fee
$0
Purchase APR
24.49%
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