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Apply for Amtrak Guest Rewards® Credit Card Online

  • Intro
  • Minimum Payment
  • Balance Transfer

Bank of America offers a wide range of credit cards with various benefits. Amtrak Guest Rewards® World Mastercard® offers rewards points and low balance transfer fees. This card is geared toward those with good credit, which means having a credit score of 650 or higher. 

Amtrak Guest Rewards® World Mastercard Rewards Points Program

Get 20,000 bonus points after you make $1,000 or more in purchases within 90 days of account opening
Amtrak Get 3 Amtrak Guest Rewards points per $1 spent
Travel Get 2 points per $1 spent
All Purchases Get 1 point per $1 spent

How to Apply for Amtrak Guest Rewards® Points Credit Card Online

  1. You can quickly and easily apply for Amtrak Guest Rewards® credit card online.
  2. To get started, visit their website at
  3. Click the blue “Apply Now” button under the card.
  4. This will bring you to the application. Enter your first and last name and your residential address. If you have a different mailing address, check the box next to “Send my statement to a different address.”
  5. Enter your primary phone number and the type of phone that you own. Provide your email address. Select an answer to each of the citizenship questions and select your country of residence.
  6. Enter your date of birth, select your employment status, enter your total annual income and select your source of income. Choose the amount of liquid assets that you own, which includes the amount of money you have in total in your checking and savings accounts, stocks, CDs, and money market accounts.
  7. Enter your monthly housing payment. If you want to transfer a balance or add a cardholder, select the appropriate box.
  8. Scroll to the bottom of the page and check the box saying that you agree to the terms and conditions. Click “Continue” and follow the prompts to complete your application.
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Other Ways to Apply for an Amtrak Guest Rewards® Credit Card

You can also apply for an Amtrak Guest Rewards® Points credit card by phone or at a local branch. To apply by phone, call 1-800-932-27-75. To find a branch in your area, you can visit their website:

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Sign Up for Bank of America Account

If you don’t have a Bank of America account, you need to enroll in online banking to get full and secure access to managing your finances online. To register your Bank of America account, visit the homepage at Click “Enroll” on the left side of the page. Enter the last 6 digits of your card or account number, your full Social Security number and click “Continue”. On the next page, you need to create your ID and password. Hit the “Continue” button and follow the prompts to complete your Bank of America account registration.

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Amtrak Guest Rewards® World Mastercard® FAQs

Amtrak Guest Rewards® World Mastercard® Rates & Fees

$79 None 16.99% – 24.99% variable Pay a fee of 3% per each transaction (no less than $10) None

Is there an annual fee?
Amtrak Guest Rewards® World Mastercard® has a $79 annual fee.

Is there any intro APR?
There is no introductory APR for Amtrak Guest Rewards® Points credit card.

What is the APR for an Amtrak Guest Rewards® World Mastercard® credit card?
The APR is variable and based on the Prime Rate and your creditworthiness. APRs for Amtrak Guest Rewards® World Mastercard® range from 16.99% – 24.99%.

Can I transfer a balance?
You can transfer a balance. There is a fee of 3% per each transaction (no less than $10)

Before you apply for balance transfer calculate your total interest rates, monthly payments, your total cost of borrowing card credit and total savings.

Can I use the Amtrak Guest Rewards® World Mastercard® credit card for foreign purchases?
You can use the Amtrak Guest Rewards® World Mastercard® credit card in foreign countries, and there is no fee for foreign transactions.

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For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

Before apply for new credit card estimate your potential balance transfer savings

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Amtrak Guest Rewards® World Mastercard® Credit Card 1st Year Annual fee $First year $79 Annual Percentage Rate (APR) Currently, a variable 16.74% - 24.74% variable% - % APR on purchases. (These APRs do not apply to cash advances.)


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