(EXPIRED) Amtrak 40K + $100 offer

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If you like to travel by train, you may be interested in the newly-increased offer available on the Amtrak Guest Rewards World Mastercard: now get 40,000 points plus a $100 statement credit after spending $2,500 in the first 90 days. As points are worth about 2.5-2.9c each towards Amtrak tickets, that means you should get north of a thousand dollars worth of value out of this bonus towards train tickets. That’s a nice offer for those interested in Amtrak.

The Offer

For more information about this card and a link to apply, click the card name below to go to our dedicated page for this card.

Key Card Details

BOA Amtrak Guest Rewards World Mastercard

Annual Fee: $79

Card Type: Mastercard World


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

Quick Thoughts

A few years back, Amtrak revamped its loyalty program (See: Amtrak Guest Rewards 2016 — Better than expected. My take and recommendations.). In short, the value of points is now tied to the cost of tickets. You’ll get 2.6c to 2.9c per point toward paid tickets depending on the train you’re taking.

That makes the value of this offer quite strong. You should get about a thousand bucks in train tickets (maybe more) plus the hundred dollar statement credit. That’s a lot of bang for the buck considering the spending requirement is only $2,500 in 90 days.

It’s worth noting that there are also other potential uses of Amtrak points. See: Loyalty alchemy. Turn Amtrak coal into United gold, and more…. In short, you may get even more value out of transferring to Choice or United, though it’ll either require elite status with Amtrak or $20K in spend on your Amtrak World Mastercard.

While this is obviously a niche product that doesn’t have the mass appeal of traditional transferable currencies, it can certainly be a good offer for those in the market.

H/T: Doctor of Credit

Last updated on September 28th, 2019

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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Patricia Tempest
Patricia Tempest

Just applied and got a pending status. This is the first time that has happened with Bank of America. Ugh!


I got this card last year when the offer was 30K. Live on the east coast, and a one-way to New York is at least $39 (more expensive closer to departure) unless they’re having a sale, but 2K miles. It’s served me well for all those trips to NYC and DC I’ve had to make. Plus, around the holidays they offered me 3x points on every purchase for about two months. So definitely a niche product (Amtrak in the midwest can be a bit useless) but can definitely be a good value if it fits your needs.


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