Amtrak Guest Rewards® Mastercard®
Earn 2x points on Amtrak trips and redeem with 5% bonus value
The Amtrak Guest Rewards Mastercard offers up to 20,000 bonus points (15,000 after $1,000 in purchases, plus 5,000 for adding an authorized user) with no annual fee. Earn 2x points on Amtrak travel and dining, plus a 10% rebate on onboard food and beverage purchases and a 5% point rebate when you redeem for Amtrak travel.
- Annual Fee
- $0
- Welcome Bonus
- Up to 20,000 points
- Top Rate
- 2X
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Amtrak Guest Rewards
- Credit Required
- Good to Excellent
Welcome Offer
Up to 20,000 points
Earn 15,000 Amtrak Guest Rewards points after spending $1,000, plus 5,000 points after adding an authorized user, all within the first 3 billing cycles of account opening.
- 15,000 points after $1,000 in purchases in the first 3 billing cycles
- + 5,000 points after adding an authorized user in the first 3 billing cycles
The total needs every stage above. Meet only the first and you earn 15,000 points.
Historical Welcome Offers
| Bonus | Spend | Period | Ended | Note |
|---|---|---|---|---|
| 12,000 | $1,000 | 3 months | 2026-07-29 |
Earning Rates
- 2X
Dining
2 points per $1 spent on dining
- 2X
Amtrak
2 points per $1 spent on Amtrak travel, including onboard purchases
Earning Scenarios
2x points per $1 on Amtrak train tickets
Book a $500 roundtrip from Chicago to New York and earn 1,000 points ($25 value with 5% redemption bonus).
2x points per $1 at restaurants and food delivery
Spend $2,000 annually on dining and earn 4,000 points worth $100 at redemption.
1x point per $1 on all other purchases
A $100 grocery purchase earns 100 points, which accumulate toward your next Amtrak trip or onboard experience.
Benefits & Perks
Insurance & Protections
1 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Dining Out
2x at restaurants
Amtrak Guest Rewards
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesThe Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 26.49% (Variable) |
| Cash Advance APR | 27.99% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Amtrak Guest Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amtrak Guest Rewards Preferred | mid | — |
Product changes available between family members without a new credit inquiry.
Media & Resources
Video Reviews
8 videosAmtrak Guest Rewards Preferred Mastercard Credit Card Review
Amtrak Guest Rewards Mastercard Credit Card Review
Amtrak Guest Rewards Credit Card Review | Travel By Train For Cheap
Amtrak Credit Card Review - Earn a Free Trip on Amtrak Incrementally
$99 Amtrak Credit Card Annual Fee is Worth It!
Amtrak Guest Rewards Mastercard Honest Review
Amtrak Guest Rewards Card Honest Review 2026! Is It Worth It For Travelers
Third-Party Articles & Reviews
Amtrak Guest Rewards® Preferred Mastercard® Review
Review of the Preferred version covering welcome offer history, earn rates, benefits including companion coupon and station lounge pass, and point redemption value
Why the Amtrak Guest Rewards Mastercard Is a Long-Term Keeper
Strategic analysis comparing no annual fee vs Preferred versions, examining the 5% point rebate, upgrade coupons, and long-term card holding strategy for maximizing value
Amtrak Guest Rewards® Mastercard® --- Full Review [2026]
Comprehensive review covering earn rates, benefits including food rebate and point redemption, plus evaluation of the card's value for regular Amtrak travelers
Amtrak Credit Card Reviews: Is It Worth It? (2026)
In-depth analysis with user reviews, editor rating, pros and cons breakdown, and detailed examination of annual perks including companion coupon and lounge pass
Amtrak Guest Rewards Mastercard Review – Forbes Advisor
No annual fee option review highlighting 2x points on Amtrak travel, dining benefits, and analysis of whether the card delivers value for frequent train travelers
Best Credit Card for Amtrak in 2026
Evaluation of the Amtrak card's ongoing value through annual travel credits and anniversary bonuses for maximizing rewards on Amtrak travel purchases
5 Things to Know About the Amtrak Credit Card
Essential overview of the Bank of America-issued Amtrak card covering rewards structure, perks, and value proposition for Amtrak regulars despite the annual fee
Amtrak Guest Rewards: Complete Guide
Comprehensive guide to the entire Amtrak Guest Rewards program including how to earn and redeem points, status tiers, and maximizing the co-branded credit card
Best credit cards for Amtrak and train travel
Comparison guide highlighting why the Amtrak Guest Rewards Preferred Mastercard stands out for frequent Amtrak riders with detailed benefit analysis
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Upgraded Points | — | Upgraded Points |
| Forbes Advisor | — | Forbes Advisor |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Annual fee | |
| Issuer Page | Issuer Page: Status | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |
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