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!
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.
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.
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.
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.
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.
Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.
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.
The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.