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  Amtrak Guest Rewards® World Mastercard®

Amtrak Guest Rewards® World Mastercard®

in Personal Credit Cards from Bank of America

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Amtrak Guest Rewards® World Mastercard®

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Highlights
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
  • 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.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • 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.

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.

Amtrak Guest Rewards® World Mastercard® Rewards
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®:

Amtrak Guest Rewards® World Mastercard® Fees
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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

Every Purchase (Points) Earn 1 point for each $1 spent on all other purchases
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 (%) 3%
Annual Fee $79
Minimum Interest Charge $1.50
Returned Payment Fee $28
Late Fee Amount $39
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
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Free FICO Score  
Bonus Rewards Earn 3 points for every $1 spent on Amtrak travel, including onboard purchases. Earn 2 points per $1 spent on other qualifying travel purchases
No Blackout Dates  
Rewards Categories
  • Every Purchase
  • Travel
Signup Bonus (points) 40,000
Cash Advance APR (Variable APR) 19.99% - 26.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.99% - 24.99%
Balance Transfer APR (Variable APR) 16.99% - 24.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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