Amtrak Guest Rewards World MasterCard

Card Details
Rewards	3 points per $1 on Amtrak travel (including onboard) 2 points per $1 on dining, other travel (transit, rideshare) 1 point per $1 on all other purchases 20% rebate on Amtrak onboard food & drink (as statement credit) 5% of points back when you redeem for Amtrak travel 1,000 Tier Qualifying Points (TQPs) for every $5,000 spent on the card, helping you earn Amtrak elite status faster Annual perks (on card anniversary): a companion coupon, a one-class upgrade, and one Amtrak lounge pass.
Signup Bonus	There’s a limited-time offer to earn 40,000 bonus points after spending $2,000 in the first three billing cycles.
Annual Fee	$99
Cardmember Agreement	View Here
Cash Advance APR	28.74% – 29.74% variable.
Cash Advance Fee	Greater of $15 or 5% per transaction.
Late Payment Fee	Up to $40.
Purchases APR	27.24% – 28.24% variable, depending on Prime.
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Amtrak Guest Rewards World Mastercard stands out for its simple, train-friendly rewards: boosted points on Amtrak travel, dining, and transit; a modest intro bonus; and no foreign transaction fees. It’s one of the few cards built specifically for rail travelers, and the annual fee stays lower than many travel cards with comparable perks.

Most users say they appreciate how quickly points add up on Amtrak fares and onboard purchases, and many reviewers mentioned liking the annual perks—like upgrade coupons and lounge access—because they feel “usable,” not gimmicky. People also praise how easy the rewards program is to understand.

On the downside, many cardholders complain about the high ongoing APRs and the fact that the card’s best value is locked into Amtrak redemptions. A few users also wish the everyday reward categories were stronger, since competing travel cards earn more flexible points.

Personally, I think this card makes the most sense for regular Amtrak riders—commuters, corridor travelers, or anyone who takes a few long-distance trips each year. If you’re mostly looking for broad travel rewards or flexible points you can use anywhere, you’ll probably find better value elsewhere. But for true Amtrak loyalists, it’s a solid, practical pick.