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Earn 2x points on Amtrak trips and redeem with 5% bonus value
The Amtrak Guest Rewards Mastercard offers 12,000 bonus points at signup with no annual fee. Earn 2x points on Amtrak tickets and dining, plus enjoy a 10% onboard rebate and 5% point redemption bonus that boost your rewards value to over $300 annually.
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
Amtrak Guest Rewards
Credit Required
Good to Excellent
Up to 20,000 points
Earn 12,000 Amtrak Guest Rewards points after spending $1,000 in the first 3 billing cycles. Worth up to $300 in Amtrak travel depending on your route.
The total needs every stage above. Meet only the first and you earn 15,000 points.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Details & Terms
| Foreign Transaction Fee | $0 |
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.
2X
Top Rate
| Bonus | Spend | Period | Ended | Note |
|---|
| 12,000 | $1,000 | 3 months | 2026-07-29 |
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Review of the Preferred version covering welcome offer history, earn rates, benefits including companion coupon and station lounge pass, and point redemption value
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
Comprehensive review covering earn rates, benefits including food rebate and point redemption, plus evaluation of the card's value for regular Amtrak travelers
In-depth analysis with user reviews, editor rating, pros and cons breakdown, and detailed examination of annual perks including companion coupon and lounge pass
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
Evaluation of the Amtrak card's ongoing value through annual travel credits and anniversary bonuses for maximizing rewards on Amtrak travel purchases
Essential overview of the Bank of America-issued Amtrak card covering rewards structure, perks, and value proposition for Amtrak regulars despite the annual fee
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
Comparison guide highlighting why the Amtrak Guest Rewards Preferred Mastercard stands out for frequent Amtrak riders with detailed benefit analysis
| 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 |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
