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  Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

in Personal Credit Cards from Bank of America

Unaffiliated

Amtrak Guest Rewards® World Mastercard®

Unaffiliated

in Personal Credit Cards from Bank of America

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 16.49% - 24.49%
Balance Transfer APR  (Variable APR) 16.49% - 24.49%
Credit Score Range 700 - 850
Annual Fee $79

Amtrak Guest Rewards® World Mastercard® Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 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 16.49% up to 24.49%.
  • 3% Balance transfer fee. Amtrak Guest Rewards® World Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Amtrak Guest Rewards® World Mastercard®
The Good The Bad
  • Earn 1,000 Tier Qualifying Points (TQPs) toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
  • Onboard Purchases Rebate: Get a 20% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards® World Mastercard
  • Complimentary Station Lounge Pass: Get a complimentary Single-Visit Station Lounge pass upon account opening
  • Get a Companion Coupon upon account opening and each year when your account renews
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Amtrak Guest Rewards® World Mastercard® is accepted.
  • There is annual fee of $79 to consider when apply
  • The point you earn can only be used toward to your Amtrak Guest Rewards program
  • Requires good to excellent credit.
  • Charges an annual fee of $79
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.
Amtrak Guest Rewards® World Mastercard® FAQ

Does Amtrak Guest Rewards® World Mastercard® have a cash back or rewards program?

Amtrak Guest Rewards® World Mastercard® is a travel rewards card.

Amtrak Guest Rewards® World Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Amtrak Guest Rewards® World Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Amtrak Guest Rewards® World Mastercard® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Amtrak Guest Rewards® World Mastercard® benefits?

It provides the following benefits:

  • Free Credit Score
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles

What are the relevant APRs for Amtrak Guest Rewards® World Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 19.49% up to 27.49%. 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Amtrak Guest Rewards® World Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Amtrak Guest Rewards® World Mastercard®?

The following fees apply:

Amtrak Guest Rewards® World Mastercard® Fees
Fees Amount
Annual Fee $79
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

Does Amtrak Guest Rewards® World Mastercard® have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Amtrak Guest Rewards® World Mastercard®?

The Amtrak Guest Rewards® World Mastercard® customer service number is (800) 932-2775.

What is the support contact email for Amtrak Guest Rewards® World Mastercard®?

The support contact email for Amtrak Guest Rewards® World Mastercard® is customerservicealert@bankofamerica.com.

How do people rate the customer service and user experience of Amtrak Guest Rewards® World Mastercard®?

Overall, Amtrak Guest Rewards® World Mastercard® is strongly not recommended based on community reviews that rate customer service and user experience.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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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
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $79
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
No Blackout Dates
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 19.49% - 27.49%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 24.49%
Balance Transfer APR (Variable APR) 16.49% - 24.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Rewards
  • Travel

Amtrak Guest Rewards® World Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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