BOA Amtrak Guest Rewards Platinum Mastercard

BOA Amtrak Guest Rewards Platinum Mastercard
12K points
12K after $1K spend in 3 months
Click Here to Apply

$0 Annual Fee

Recent better offer: 15K after $1K spend in 3 months


Card Type: Mastercard Platinum

Earning rate: ⚬ 2X Amtrak ⚬ 1X elsewhere

Noteworthy perks: ⚬ 5% Amtrak Guest Rewards point rebate on redemptions.

See also: Amtrak Guest Rewards credit card review

Application Tips

Bank of America Application Tips


  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.

  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open

  • Get Same Card Again: Yes, even if you still have the previous card open.

  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.


Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

Related Cards (Amtrak Guest Rewards)

BOA Amtrak Guest Rewards World Mastercard
20K points
20K after $1K spend in 3 months

$79 Annual Fee

Offer appears on the Amtrak home page.

Recent better offer: 30K after $1K spend in 3 months

BOA Amtrak Guest Rewards Platinum Mastercard
12K points
12K after $1K spend in 3 months

$0 Annual Fee

Recent better offer: 15K after $1K spend in 3 months

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