Amtrak World Elite Mastercard Calculator

Amtrak Points Calculator for the Amtrak World Elite Mastercard. Calculate total points based on spend, benefits, and fees. Compare against top credit cards.
Updated 2020-07-17 By Robert Flowers III

The Amtrak World Mastercard is great for anyone looking to build up their Amtrak Guest Rewards Points. The card earns 3x points on Amtrak and 2x points on general travel purchases while also offering a bunch of annual benefits such as an annual companion pass, one-class upgrade, and lounge access.

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

Bonus Categories

The Amtrak World Mastercard features two bonus categories which are Amtrak purchases and general travel purchases (not including Amtrak). There's no limit to the amount of bonus points you can earn spending in these categories and no limit to the amount of points you can earn with the card overall.

  • 3x Amtrak
    • Includes Amtrak Tickets and onboard net purchases charged to the card where Amtrak is the merchant of the record.
  • 2x Travel
    • Travel purchases count as:
      • Airline
      • Car Rental Agencies
      • Hotel, Motel, Inns, Resorts
      • Cruise Line, Steamship
      • Commuter and Passenger Rail
      • Travel Agencies (e.g. Expedia,
  • 1x Non-Category

Perks & 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.

  • 5% Rebate
    • Booking award travel on Amtrak will give you 5% of your redeemed points back.
    • This benefit is unlimited.
  • 20% On-board Savings
    • Discount applies to food and beverages purchased onboard Amtrak.
    • Discount is in the form of a statement credit.
  • Annual Lounge Pass
    • Receive a lounge pass good for a complimentary visit to a ClubAcela or Metropolitan Lounge visit.
  • Annual Companion Pass
    • Receive a companion pass every year on your cardmember anniversary date.
    • Companion rides for free when you purchase a regular adult rail ticket with Amtrak.
  • Annual Class Upgrade
    • Receive a coupon for a one-class upgrade when you renew your card (as in pay the annual fee).
  • Earn Tier Qualifying Points
    • Every $5,000 you spend on the card will earn you 1,000 Tier Qualifying Points (TQPs).
    • You can earn up to 4,000 TQPs per calendar year.

Sign Up Bonus

The standard sign up bonus for the Amtrak World Mastercard is 20,000 points after making $1,000 in purchases within 90 days of account opening. This sign up bonus as an average cash value of around $400, but it's not hard to get even more value.

Along with the sign up bonus, you'll also receive all of the annual benefits during the first year which is the companion coupon, one-class upgrade, and lounge pass.


Annual Fee

The annual fee for the Amtrak World Mastercard is $79 which is not bad at all considering the value this card holds if you frequently travel with Amtrak. The 2x-3x point earnings along with the value of the benefits this card offers far exceeds the annual fee in my opinion.

Authorized User Fee

There is no authorized user fee for the Amtrak World Mastercard. If you have friends or family that spend on Amtrak and general travel purchases, adding them will greatly help you build your Amtrak Guest Rewards Points.

Foreign Transaction Fee

The Amtrak World Mastercard has no foreign transaction fee. That makes this card a solid choice for earning Amtrak Points worldwide which is great considering it has a nice 2x travel category.

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.
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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.
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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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