Amtrak Guest Rewards® Mastercard®: Calculator & Rewards Breakdown
Fees
Earning Rates
- Earn 2 points per $1 spent on purchases made with Amtrak which includes Amtrak tickets and on-board purchases.
- Earn 2 points per $1 spent on dining.
- Earn 1 point per $1 spent on all other purchases made to the card.
Main Benefits
- 5% point rebate on Amtrak award travel
- 10% rebate on onboard food and beverage purchases
Our Take
Amtrak Mastercard Points Calculator
Use this calculator to estimate how many Amtrak Guest Rewards points you can earn with the Amtrak Mastercard based on your monthly spend. Compare it with the Preferred version, factor in point value for train travel, and see if this no-fee option meets your travel goals.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Amtrak Guest Rewards® Mastercard® Details
Earning Rates
The Amtrak Mastercard earns Amtrak Guest Rewards points at the following rates:
- 2 points per $1 spent on Amtrak travel, including on-board purchases
- 2 points per $1 spent on dining.
- 1 point per $1 spent everywhere else
Rewards Value & Calculator
Key Benefits
Here are the main benefits of the Amtrak Mastercard:
- 10% On-Board Rebate: Get 10% back in the form of a statement credit for purchases of on-board food and beverages.
- Redemption Rebate: Get 5% of your points back when you redeem your points for Amtrak travel.
Fees
Annual Fee
The Amtrak Mastercard has an annual fee of $0.
Authorized User Fee
There is no fee to add authorized users to the Amtrak Mastercard.
Foreign Transaction Fee
The Amtrak Mastercard has a 0% foreign transaction fee. This means that you will not be penalized when using the card outside of the United States.
Amtrak Points Calculators & Guides
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Amtrak Points Value Calculator
View the list of redemption options for Amtrak Guest Rewards points and calculate their average value based on each. -
Buying Amtrak Points: Cost Calculator & How To Buy
Get the details on buying Amtrak points and calculate the cost to buy them. -
Calculator: Amtrak Guest Rewards® Preferred Mastercard®
Review the card benefits and calculate total Amtrak points and card value based on spend. -
Calculator: Amtrak Guest Rewards® Mastercard®
Review the card benefits and calculate total Amtrak points and card value based on spend.
