Amtrak Guest Rewards® Preferred Mastercard® Review & Point Calculator

Amtrak Guest Rewards® Preferred Mastercard®

The Amtrak Guest Rewards Preferred Mastercard is great for anyone looking to build up their Amtrak Guest Rewards Points. The card earns 3X points on Amtrak travel and 2X points on dining, travel, transit, and rideshare purchases. You'll also be able to enjoy a 20% rebate on onboard food and beverage purchases, annual companion pass, one class upgrade, lounge access, and more.

Rewards Rates

Earn 3 points per $1 spent on purchases made with Amtrak which includes Amtrak tickets and onboard purchases.
Earn 2 points per $1 spent on dining, travel, transit and rideshare.
Earn 1 point per $1 spent on all other purchases.

Key Cardholder Benefits

  • When you use your Amtrak Preferred Mastercard to make food and beverage purchases on-board Amtrak, you'll receive a 20% discount. This discount is in the form of a statement credit.
  • As an Amtrak Preferred Mastercard holder, you'll receive 5% of your redeemed points back when you book award travel on Amtrak. There's no limit to this rebate.
  • Every year, you'll receive a lounge pass good for a complimentary visit to a ClubAcela or Metropolitan Lounge visit.
  • Every year, you'll receive a companion pass on the anniversary date of your Amtrak Preferred Mastercard. The pass allows a companion to ride for free when you purchase a regular adult rail ticket with Amtrak.
  • Every year, you'll receive a coupon for a one-class upgrade when you renew your card (as in pay the annual fee).
  • Every $5,000 in spend that you run across the Amtrak Preferred Mastercard will earn you 1,000 Tier Qualifying Points (TQPs) towards elite status in the Amtrak Guest Rewards program. You can earn up to 4,000 TQPs per calendar year.

Annual Fees

The Amtrak Preferred Mastercard has a $99 annual fee.

Amtrak Points Calculator

Calculate how many Amtrak Guest Rewards Points you can earn with the Amtrak Preferred Mastercard based on spend. Results can be compared side by side any U.S. credit cards featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Earning Rate Comparison

Want to know how the Amtrak Guest Rewards Preferred Mastercard earning rates stack up against other Amtrak credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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