Amtrak Guest Rewards® World Mastercard®
in Personal Credit Cards from Bank of America
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| Community Rating |
Rating not yet determined |
| 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 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 |
|---|---|
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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.
| 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:
| 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.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.
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Contact
- Headquarters
-
100 North Tryon Street
Charlotte, NC 28255 - Visit Site
Other Services by Bank of America
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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
| Every Purchase (Points) | Earn 1 point for each $1 spent on all other purchases. |
Amtrak Guest Rewards® World Mastercard® Community Reviews
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