Earning Rates

The Amtrak Guest Rewards Preferred Mastercard earns Amtrak Guest Rewards points at the following rates:

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

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Amtrak Guest Rewards Preferred Mastercard:

  • 20% On-Board Rebate: Get 20% back in the form of a statement credit for purchases of on-board food and beverages.
  • Companion Coupon: Receive a round-trip companion coupon upon account opening and card anniversary.
  • Annual Upgrade: Get a one-class upgrade upon account opening and card anniversary.
  • Lounge Pass: Receive a station lounge pass upon account opening and card anniversary.
  • Earn Status Faster: Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases.
  • Redemption Rebate: Get 5% of your points back when you redeem your points for Amtrak travel.

Fees

Annual Fee

The Amtrak Guest Rewards Preferred Mastercard has a $99 annual fee.

The value of the benefits this card offers will far exceeds the annual fee if you can make use of them. You should be able to squeeze high value out of the Companion Certificate alone.

Authorized User Fee

There is no fee to add authorized users to the Amtrak Guest Rewards Preferred Mastercard.

Foreign Transaction Fee

The Amtrak Guest Rewards Preferred Mastercard has a 0% foreign transaction fee. This means you can use the card outside of the United States and not be penalized.