Amtrak Platinum Mastercard Calculator

Amtrak Points Calculator for the Amtrak Platinum Mastercard. Calculate total points and compare cash value based on spend, benefit, and annual fees.
Updated 2020-07-17 By Robert Flowers III

The Amtrak Guest Rewards Platinum Mastercard is a no-annual fee card offered by Bank of America. It offers double points on Amtrak purchases along with a 10% rebate on food and beverage purchases made on-board and a 5% rebate on Amtrak redemption travel. It's a great option for if you don't spend enough to make the Amtrak World Elite Mastercard worth it.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Amtrak Platinum Mastercard has one bonus category which is Amtrak Guest Rewards. There's no limit to the amount of Amtrak Guest Rewards Points you can earn with this card and no limit to the amount of Amtrak Guest Rewards Points you can earn with the card overall.

  • 2x Amtrak
    • Includes Amtrak Tickets and onboard net purchases charged to the card where Amtrak is the merchant of the record.
  • 1x Non-Category

Perks & Benefits

The Amtrak Platinum Mastercard doesn't feature many benefits, but the few benefits it does offer are great if you're traveling with Amtrak.

  • 5% Rebate
    • Booking award travel on Amtrak will give you 5% of your redeemed points back.
    • This benefit is unlimited.
  • 10% On-board Savings
    • Discount applies to food and beverages purchased onboard Amtrak.
    • Discount is in the form of a statement credit.
    • A higher discount of 20% can be obtained with the Amtrak World Elite Mastercard.

Sign Up Bonus

The standard sign up bonus for the Amtrak Platinum Mastercard is 12,000 bonus points after making at least $1,000 in purchases within the first 90 days of account opening. It's hard to predict how many rides you can squeeze out of that since it isn't a defined award chart, but the cash value ranges around $240 or more on average. It's a great sign up bonus for a card that has no annual fee.


Annual Fee

The Amtrak Platinum Mastercard does not have an annual fee. This means you'll always be able to earn a positive return on your spend without worrying about having to meet a goal to cover the annual fee.

Authorized User Fee

There is no authorized user fee for adding users to the Amtrak Platinum Mastercard. If you're looking to build your Amtrak Guest Rewards Points, I recommend adding family and friends to your card so that they can assist you in running spend through it.

Foreign Transaction Fee

The Amtrak Platinum Mastercard has a 0% foreign transaction fee. This allows you to earn Amtrak Guest Rewards Points worldwide without worrying about being charged a fee.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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