New Amtrak offer: 20K +$100 statement credit

As I was making an Amtrak reservation last night, I stumbled on an increased offer for the Amtrak Guest Rewards World Mastercard that includes the usual 20K points after minimum spend but also sweetens the deal with a $100 statement credit after meeting the same spending requirement. Amtrak is a niche program, but for those who value the points this increases the value of the offer nicely (though we have in the past seen it as high as 40K + statement credit).

The Offer & Key Card Details

BOA Amtrak Guest Rewards World Mastercard
20K points + $100 statement credit
20K + $100 statement credit after $1K spend in 3 months

$79 Annual Fee

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

Until about two years ago, I’m not sure I’d ever been on an Amtrak train despite the romanticized image in my mind of what train travel is like. I love the idea of train travel, it just doesn’t frequently meet my needs. Still, I’ve taken the train a few times in these past couple of years and really enjoyed it.

A viewing car on the Pacific Surfliner, complete with a guide who narrated the ride.

Amtrak points are decently valuable, yielding up to 2.9c each toward fares, so this welcome bonus is quite valuable compared to the minimum spend required. The addition of the statement credit more than offsets the $79 annual fee for the first year, which is a nice bonus.

Keep in mind that we have occasionally seen an offer for 40K on this card, so if you don’t need the points for a near-term use you may want to wait and see if that offer returns.

Amtrak points can be interesting even for those not interested in train travel, though it’ll require you do get spendy on your Amtrak card. See: Loyalty alchemy. Turn Amtrak coal into United gold, and more….

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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Gary Steiger -

So how did you stumble on it? This post does us no good until you tell us how to find the deal. Thanks.


I’ve been meaning to get this carf. Missed the 40k offer last fall. Is there a pattern of that offer coming around annually? The card was never on my radar so not sure what the cadence is for the increased offer. Thanks if you know.