Bank of America
Amtrak Guest Rewards Platinum
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Card review
Amtrak Guest Rewards Platinum
Bank of America
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$256/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Amtrak Guest Rewards Platinum from Bank of America carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $255.60 in rewards plus $0.00 in credits and perks — $255.60 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAmtrak | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Companion Coupon
Get a complimentary Companion Coupon upon account opening and each year when you renew your card membership.
- One-Class Upgrade
Get a One-Class Upgrade upon account opening and each year when you renew your card membership for an enhanced travel experience.
- Station Lounge Pass
Get a complimentary Single-Visit Station Lounge Pass.
- Earn TQPs
Earn 1,000 Tier Qualifying Points (TQPs) toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
- 5% Point Rebate
5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
- 10% Rebate
10% rebate in the form of a statement credit on your food and beverage purchases on board Amtrak.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.