Amtrak Credit Card with No Annual Fee Reviews: Is It Worth It? (2025)


3.8WalletHub Rating WalletHub Rating 3.8 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 5 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. Market Comparison 3.8 fees: 5.0 rewards: 1.7 cost: 5.0 Other Features: 0.0	4.2WalletHub Rating WalletHub Rating 4.2 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 "Finance New Purchases." A score of 5 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. Editor’s Rating 4.5 User Reviews 3.5 Market Comparison 4.3 fees: 5.0 rewards: 5.0 cost: 4.3 APR: 3.8	4.2WalletHub Rating WalletHub Rating 4.2 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 5 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. Editor’s Rating 4.5 User Reviews 3.9 Market Comparison 4.2 fees: 5.0 rewards: 3.4 cost: 4.7 Other Features: 0.0
(1)	(5,307)	(426)
annual fee$0	annual fee$0	annual fee$0
rewards rate 1 - 2 points / $1	rewards rate 1.25 - 5 miles / $1	rewards rate 1.5 miles / $1
bonus offer12,000 points	bonus offer 20,000 miles + $100 Capital One Travel credit	bonus offerNone
Purchase Intro APRNot Offered	Purchase Intro APR0% for 15 months	Purchase Intro APR0% for 15 months
transfer intro aprNot Offered	transfer intro apr0% for 15 months\|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time	transfer intro apr0% for 15 months\|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Regular APR27.24% (V)	Regular APR18.99% - 28.99% (V)	Regular APR17.99% - 26.99% Variable
Add to Compare	Add to Compare	Add to Compare
	Sponsored Apply Now Rates & Fees	Sponsored Apply Now Rates & Fees

Travis R
March 28, 2025 • @atl0707

Verified Customer

I have had this card since the mid-2010s. It allowed me to get decently priced reward tickets for long-distance travel and see the country back then. However, Amtrak has since raised the number of points needed for sleepers, making it very hard to qualify for a room on a western train if you're a moderate spender who is single. I love traveling by Amtrak, but the prices in points are now ridiculous in return for what you get. Additionally, the earnings rate on this no-fee card is not great. If you are a die-hard rail fan, I recommend getting the blue Amtrak card with the annual fee instead, as it comes with a free companion pass, lounge visits, and a higher earnings rate on other travel. Just be sure you want to pay the fee, as FNBO won't let you downgrade to the free card.

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First National Bank of Omaha
April 2, 2025 • @FNBO

Travis, we appreciate you taking the time to leave a review and to provide your feedback. We have made sure that your concerns with the rewards have been forwarded to the appropriate teams. If you have any other questions, concerns, or feedback about the card, you can call us at 888-530-3626, or submit a secure message after logging into our website. We will be happy to help.

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Amtrak Credit Card with No Annual Fee

Amtrak Credit Card with No Annual Fee

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