BOA Amtrak Guest Rewards World Mastercard

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Card Details and Application Link
Amtrak Guest Rewards World Mastercard
50K Points + $100 statement credit
50K + $100 statement credit after $2.5K spend in 90 days
Click Here to Apply (this is NOT an affiliate link)

$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


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.

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.

Application Tips

Bank of America Application Tips

  • 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 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: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • 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)

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