Amtrak World Mastercard Cash Value Calculator

Amtrak Mastercard

3X Amtrak Purchases
2X Travel Purchases

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The Amtrak World Mastercard is great for anyone that does a great deal of travel and is looking to strickly build up their Amtrak Guest Rewards Points. This Amtrak card grants a great return on general travel purchases while providing a point rebate, an annual companion pass, a one-class upgrade annually, and bonus points for heavy spend. It also comes with an outstanding sign up bonus which includes most of the forementioned perks so that you can experience them in the first year as well.

Amtrak Guest Reward Points

Amtrak Points are generally worth about 2 cents each. They are worth the most when used toward Amtrak travel. They be transferred to Choice Hotels, Hilton Hotels, and Audience Rewards. You can also be used to redeem gift cards (value of 1 cent per point or less). Points will expire if there is no activity within a 36 month (3 year) period. Holding the Amtrak Guest Rewards Mastercard will prevent them from expiring regardless of if there has been activity or not. Jump over to the Amtrak Guest Rewards Calculator to calculate the cash value of Amtrak Points, calulate the amount it takes for gift card redemptions, and to see how much your points are worth when transfered to other programs!

Bonus Categories

The Amtrak World Mastercard features two bonus categories that earns extra points. These categories are general travel purchases and Amtrak purchases. There is no limit to the amount of bonus points you can earn spending in these categories. Below are the details on both.

3x Amtrak

Using the Amtrak World Mastercard for Amtrak Purchases will earn 3 Amtrak Guest Rewards Points per $1 spent. Qualifying purchases are Amtrak travel and onboard Net Purchases charged to the card where Amtrak is the merchant of record. With the value of Amtrak Points, you're looking at least a 6% or higher return when used for rail travel making the Amtrak World Mastercard the best choice when it comes to these purchases.

2x Travel

Other non-Amtrak travel purchases with the Amtrak World Mastercard will earn 2 Amtrak Guest Rewards Points per $1 spent. These purchases are at eligible Non-Amtrak travel merchants, which include airlines, car rental agencies, hotels, motels, inns, and resorts, steamship/cruise lines, commuter rail, passenger rail, and travel agencies. These purchases still provide a solid return of 4%. Depending on the category, some premium cards or co-branded travel cards may give you a better bang for your buck such as Hilton Honors credit cards or Chase Sapphire Reserve which returns 4.5% for travel purchases.

1x Non-Category

Any purchases on the Amtrak World Mastercard outside of the categories listed above will result in earning 1 Amtrak Rewards Point per $1 spent. Since these points are worth about 2 cents each, using this card for non-category purchases is great for anyone looking to earn some additional points. Do note that both Choice and Hilton transfer points to Amtrak at a 1:1 ratio, so the Hilton Honors Credit Cards and the Choice Privileges Card are additional options to build points.

Perks and Benefits

The Amtrak World Mastercard is packed with a few benefits like award point rebates, companion coupons, class upgrades, and bonus points based on spend. Below are the details of these perks.

5% Point Rebate

The Amtrak World Mastercard offers 5% of your Amtrak Guest Rewards Points back when you redeem them for travel. This Amtrak rebate posts the points back to your account automatically and there is no limit to how often you can use this perk. It's a nice way to save a great deal of Amtrak Points if you redeem them for travel frequently.

Companion Coupon

When the Amtrak World Mastercard member hits their card anniversary date, they will receive a companion coupon. This pass is good for a companion to ride for free when a purchase of a regular adult rail ticket is made.

Class Upgrade

Amtrak World Mastercard members will receive a one-class upgrade annually. This one upgrade will be received each year after renewing your Amtrak World Mastercard membership.

Tier Qualifying Points

Amtrak World Mastercard holders will be able to earn Amtrak Tier Qualifying Points based off running spend through the card. Every $5,000 in spend will earn 1,000 Tier Qualifying Points in which you can earn 4 times for a max of 4,000 points.

Sign Up Bonus

The Amtrak World Mastercard sign up bonus is 20,000 points after making at least $1,000 in purchases within 90 days of account opening. This is worth $400 at minimum. The sign up bonus also comes with a complimentary companion coupon, one-class upgrade from coach to business class on a single segment, and a single visit to the Station Lounge Pass for access to ClubAcela, Amtrak Metropolitan Lounge or First class lounges.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Amtrak World Mastercard is $79. This is not a bad price point for the amount of value Amtrak Guest Reward Points offer. If you plan on redeeming points for train travel, it will take about 4,000 Amtrak points to break even with the fee. This equals about $1,333 in Amtrak spend or $2,000 in travel spend.

Authorized User Fee

There is no authorized user fee for the Amtrak World Mastercard. If you have friends or family that spend in this cards bonus categories, I recommend adding them.

Foreign Transaction Fee

There is no foreign transaction fee for using the Amtrak World Mastercard outside of the United States. This means you can earn Amtrak points worldwide without being penalized.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-03-25

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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