Amtrak Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Amtrak Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rate20,000 points initial rewards bonusNo foreign feeMembership feesNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Info about the Amtrak Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR164Reviews13FAQContact
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$99
Rewards
Get 20,000 bonus points after making at least $1,000 in purchases within the first 3 billing cycles of account opening.
3 points per $1 spent on Amtrak travel, including onboard purchases, 2 points per $1 spent on dining, travel, transit and rideshare and 1 point per $1 spent everywhere else.
5% point rebate when you reedem your points for Amtrak travel.
20% rebate on onboard food and beverage purchases in the form of a statement credit.
Get a round-trip companion coupon, a station lounge pass & one-class upgrade upon account opening and card anniversary.
Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases.
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The Amtrak Credit Card bonus was 20,000 points for spending $1,000 in the first 90 days after account opening. Other bonuses included both a complimentary companion coupon and a one-class upgrade, given upon account opening and every year when you pay the card's $99 annual fee. Unfortunately, this card may no longer be open to new applications.
In addition, the Amtrak Credit Card offered ongoing bonus rewards on Amtrak travel, with 3 points per $1 spent....
The Amtrak Credit Card rewards points' value varies depending on where and when you use them, but they can be worth up to a little more than 3 cents apiece. At worst case scenario you can redeem points for gift cards, and your Amtrak points are worth 0.75 cents each.
Points can be redeemed for Amtrak tickets, car rentals, hotel stays, etc. You can check the several ways you can redeem your points and...
In most states, when applying for the Amtrak credit card, Bank of America will pull your Experian credit report. But occasionally, your TransUnion or Equifax report will be used instead.
Yes, you can use your Amtrak Credit Card everywhere that accepts cards on the Mastercard network. That means you can use the card virtually everywhere in the world.
The Amtrak Credit Card has a foreign transaction fee of 0%, which means you won't incur extra charges for international purchases. The card also offers 1 - 3 points per $1 spent on purchases and has an annual fee of $99. This can make the card a worthwhile option for people who travel with Amtrak...
You can cancel your Amtrak Credit Card by contacting customer support through your online account via the secure chat feature. You can also give customer service a call at (800) 732-9194 or you could cancel the card in person at one of the issuer's branches.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In...
Share your insights and review for the Amtrak Credit Card
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4.0
164 reviews
164 reviews
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tdegaglia @tdegaglia
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1 Star Rating
Verified Customer
I had a balance transfer offer which was at 0% rate for about a year. So I took advantage of the offer. I never really use this card but I decided to charge my auto insurance on it and get some Amtrak points. However when I got my bill I was surprised to see they charged interest on the charge for the auto insurance even though I paid it off when I got the statement. I called customer service to see why and she told me that because I made a purchase it calculate interest from the date of purchase. That means if you have a promotional rate DON'T USE YOUR CARD or you will be whacked with a finance charge!!!! This card is being filed away and won't be used again until next year. Not sure why BofA would want customer not to use their credit card, but I'm sure Chase will be happy I'm now using my Sapphire card.
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Betsy Court @bundleofstix
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1 Star Rating
This is absolutely the worst credit card anywhere. You pay $79 for an annual fee and you get shafted in return. The ad that lures people to apply for this card, promising $100 after you make a minimum of $1,000 in purchases within the first 90 days is bull. It is a scam. We've had this card for about six weeks (with well over $1,000 in purchases) and BOA has refused to honor the $100 credit. Their idiot of a rep told me the $1,000 doesn't represent purchases, it represents a payment. (!!!) Honestly, I'm not making this up!! At the moment, I have the Attorney General looking into this scam. Do NOT apply for this card!!!
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Matthew Boepple @matthewb_30
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1 Star Rating
Had the Chase card since 2007 and used it for everything. Earned so many points and free trips. Bank of America's version looks even better! One small problem, they won't approve me for one. I have a credit score of 729 (good) and $8,000 in credit limits with a very low utilization. We're talking single digits. Five stars for the Chase version. One star for the Bank of America version. Maybe if I jump through enough hoops I can earn the card... one day.
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Linda Ferguson @linda.grayferguson
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5 Star Rating
It would work better if I could qualify
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Samuel Hoelker @samuel.hoelker
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5 Star Rating
The rewards buildup is very easy and even with regular spending you can earn rewards quickly. Credit limit can go up quickly.
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John Richard @john_richard_35175
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5 Star Rating
I’ve had and enjoyed my Amtrak card from Chase for long. They gave me about 10,000 free points for signing up, and I have a very low APR (about 13%). My credit score has been Good and Excellent, which might be why I have such favorable terms with them.
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Nicholas Daka @nicholas.daka
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5 Star Rating
The Amtrak guest rewards credit card is a great card to utilize in my opinion, due to the fact one could earn Amtrak guest rewards points for every purchase (and double for purchases on Amtrak). The customer service is fair and responsive; furthermore (both on the telephone and on the web) it much easier to navigate than my other credit card.
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Steven Seagull @steven.seagull.503
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5 Star Rating
A great card all around, 1 point for each dollar spent, and 2 points on all amtrak travel. No hidden fees or APR as well. Given that 4,000 points leads to a free one way on the northeast corridor it takes no real time to get there. Plus this card is backed by Chase who are a dream to call if there is an issue, no real wait times and always pleasant and helpful unlike when I would call Bank of America before. One of the best rewards cards out there, plus you can buy gift cards and other things with your points too. Try calling Amtrak if you want one though, often you get a bigger sign up bonus. When I signed up for mine I got 36,000 points because of a bonus going on. Like I said easily one of the best rewards cards around, especially if you are a frequent business traveler on trains.
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JoeyandAmanda Williams @joey.williams.927
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5 Star Rating
This is an excellent credit card to have if you are a frequent traveler such as I am. It does require a good credit score in order to be eligible, however it does not charge any annual fees and offers a base rewards earning rate of one point per dollar spent, 2 points per dollar spent on Amtrak purchases, 5 percent of your points back every time you redeem, as well as 18,000 bonus points after you make your first purchase. This card is extremely handy to have on hand especially if you ever travel with Amtrak as it can save you a great deal of money. This card would be a great addition to your wallet and one that I highly recommend.
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Randolfo Cox @randyc_5
Above, it says there is a $79 annual fee. What card are you referring to that has no annual fee?
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Odysseas Papadimitriou @odysseas
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5 Star Rating
I had some Amtrak miles and I thought that redeeming them was going to be as hard as redeeming airline miles, so needless to say that I was not expecting much... When I called I was delighted to find out that they do not use all the gotcha type of tactics that airline rewards programs are known for. As a result, I was able to book tickets on the exact trains that I wanted! Finally, a rewards program where the miles/points get you somewhere. Long story short I highly recommend the Amtrak Credit Card!
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