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Amtrak Guest Rewards® Preferred Mastercard® card

Amtrak Guest Rewards® Preferred Mastercard®

Annual fee
$99
Recommended credit
Excellent / Good
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® Preferred Mastercard® offers high-speed rewards, first-class perks, and more – for a $99 annual fee.

Our review of the Amtrak Guest Rewards® Preferred Mastercard®

Are you looking for a credit card expert opinion on the Amtrak Guest Rewards® Preferred Mastercard®? Look no further! In this review, we will break down the benefits, rewards, and features of this credit card to help you determine if it is the right fit for your needs.

The Amtrak Guest Rewards® Preferred Mastercard® is a great option for frequent travelers who want to earn rewards on their everyday purchases. With this card, you can earn points on all your purchases, which can be redeemed for travel on Amtrak, hotels, car rentals, and more.

One of the standout features of this card is the generous sign-up bonus, which can help you earn a significant number of points right off the bat. Additionally, cardholders receive an annual companion coupon, which can save you money on your next trip.

Overall, the Amtrak Guest Rewards® Preferred Mastercard® is a solid option for those who frequently travel on Amtrak and want to earn rewards on their everyday spending. If you are looking for a credit card that offers valuable benefits and rewards, this card is definitely worth considering.

In conclusion, the Amtrak Guest Rewards® Preferred Mastercard® is a top choice for travelers who want to earn rewards on their purchases. With its generous sign-up bonus, annual companion coupon, and flexible redemption options, this card is a great option for those who want to make the most of their spending.

Card features

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

  • Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
  • Earn 2 points per $1 spent* on dining, travel, transit and rideshare
  • 1 point per $1 spent* everywhere else
  • Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more

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 want 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 Fee$99
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 Good Credit.

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Amtrak Guest Rewards® Preferred Mastercard®

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$99
Recommended credit
Excellent / Good
Purchase APR
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