Amtrak Guest Rewards® World Mastercard®
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How we calculate effective rate →
The Amtrak Guest Rewards® World Mastercard® from Bank of America earns up to 2.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $79.
- Top category
- Dining
- Effective value
- 2.5%
- Annual fee
- $79
Best for dining-heavy spend when the $79 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points.
What does the Amtrak Guest Rewards World Mastercard earn in each category?
Dining is the strongest category at 2.5% effective value (1x points at about 2.5 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amtrak Guest Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Dining is the strongest category at 2.5% effective value (1x points at about 2.5 cents each). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amtrak Guest Rewards World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 2.5% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 2.5% |
| Gas Gas stations and fuel | 1x points | 2.5% |
| Travel Flights, hotels, transit | 1x points | 2.5% |
| Other General everyday spend | 1x points | 2.5% |
Madeen values Amtrak Guest Rewards at about 2.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Amtrak Guest Rewards World Mastercard?
The Amtrak Guest Rewards World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
Amtrak Guest Rewards World Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $79 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2.5% effective (1x points).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $79 annual fee requires enough spend in bonus categories to offset.
- Amtrak Guest Rewards value depends on how you redeem, not straight cash back.
Does the Amtrak Guest Rewards World Mastercard have an annual fee?
The Amtrak Guest Rewards World Mastercard has an annual fee of $79 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $79
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Amtrak Guest Rewards World Mastercard
Where do cardholders spend most with the Amtrak Guest Rewards World Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (2x), lodging (2x), other travel (2x) for the Amtrak Guest Rewards World Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Amtrak Guest Rewards World Mastercard have an annual fee?
The Amtrak Guest Rewards World Mastercard carries an annual fee of $79 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Amtrak Guest Rewards World Mastercard?
Dining is the strongest Madeen category for the Amtrak Guest Rewards World Mastercard at about 2.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Amtrak Guest Rewards World Mastercard charge foreign transaction fees?
The Amtrak Guest Rewards World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Amtrak Guest Rewards World Mastercard annual fee worth it?
Whether the $79 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Amtrak Guest Rewards World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Amtrak Guest Rewards World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Amtrak Guest Rewards World Mastercard compare to similar cards?
Compare the Amtrak Guest Rewards World Mastercard against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Amtrak Guest Rewards World Mastercard This card | Dining | 2.5% | $79 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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