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Amtrak Guest Rewards® Mastercard® card

Amtrak Guest Rewards® Mastercard®

Annual fee
None
Recommended credit
Excellent
Card network
Mastercard
Regular purchase APR
28.24% variable based on the Prime Rate
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® World Mastercard® is a smart piece of plastic to have around, as it rewards cardmembers early and often.

Our review of the Amtrak Guest Rewards® Mastercard®

Are you looking for a credit card expert’s review of the Amtrak Guest Rewards® Mastercard®? Look no further! In this comprehensive review, we will delve into the benefits, rewards, and features of this popular credit card. Stay tuned to learn why this card is a top choice for frequent Amtrak travelers and how it can help you earn valuable rewards on your everyday purchases.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 2X points on Amtrak travel, including onboard purchases, and dining
  • Earn 1X points on all other purchases
  • No annual fee

Who this card may suit

  • You travel often by train
  • You frequently make purchases with Amtrak
  • You're looking for a travel credit card with no foreign transaction fees
  • You wish to earn points through the Amtrak Guest Rewards® program

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR28.24% variable based on the Prime Rate
Balance Transfer APR28.24% variable based on the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR29.74% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Late Payment Penalty FeeUp to $40
Return Payment Penalty FeeUp to $35

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.

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Amtrak Guest Rewards® Mastercard®

Apply Now for Amtrak Guest Rewards® Mastercard® (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

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