BOA Amtrak Guest Rewards World Mastercard

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Card / NotesBonus / Annual Fee
BOA Amtrak Guest Rewards World Mastercard
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Earning rate: 3X Amtrak, 2X qualifying travel, 1X elsewhere

Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year. Ability to transfer up to 25,000 points to hotel partners after $20K calendar year spend.

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

Complimentary companion coupon, One-Class Upgrade and a single-day ClubAcela pass each year.

See also: Amtrak Guest Rewards credit card review
20K after $1K spend in 3 months

$79 annual fee

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


The Bank of America Amtrak Guest Rewards World Mastercard offers 3 Amtrak Guest Rewards points per dollar on Amtrak purchases (including onboard purchases) and 2 points per dollar on all other qualifying travel purchases. Amtrak points are worth up to 2.9 cents per point towards Amtrak travel. Additionally, this card offers a 5% rebate on points used to purchase tickets, further increasing the yield beyond 3 cents per point in some situations.

Effectively earning 9% back on Amtrak spend and 6% back on other travel spend, this card offers very strong value if you prefer to travel via train.

For additional details, see this review of the Amtrak Guest Rewards credit cards.

Bottom Line

If you would like to use points for train travel, the return on spend offered by the Bank of America Amtrak Guest Rewards World Mastercard is hard to beat.

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[…] per calendar year” on the Amtrak Guest Rewards World Mastercard issued by Bank of America (details of the card can be found here), then you can transfer up to 25,000 Amtrak […]