How many points is an Amtrak credit card per dollar?

Amtrak Guest Rewards® Mastercard®*: Earn 2 points per dollar spent on Amtrak travel, including onboard purchases, 2 points per dollar spent on dining and 1 point per dollar spent everywhere else.



The earning structure for Amtrak Guest Rewards credit cards depends on which version of the card you hold. The Amtrak Guest Rewards Preferred Mastercard (which has a $99 annual fee) typically earns 3 points per $1 spent on Amtrak travel, including onboard purchases. It also earns 2 points per $1 on dining and other travel expenses like transit and rideshare, and 1 point per $1 on all other qualifying purchases. In contrast, the no-annual-fee Amtrak Guest Rewards Mastercard usually offers 2 points per $1 on Amtrak travel and dining, and 1 point per $1 on all other purchases. These points are highly valuable for rail enthusiasts, as there are no blackout dates for redemptions, and the points can be used for coach, business, or even private roomette stays. Furthermore, cardholders often receive a 5% point rebate when they redeem their points for Amtrak travel, effectively stretching the value of every point earned. This makes the card a powerful tool for frequent commuters or those planning a long-distance cross-country rail adventure.

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As far as travel rewards points go, this is pretty exceptional value for those who enjoy taking Amtrak trains. Depending on how you choose to redeem your points, the 50,000-point welcome bonus would be worth between $1,100 and $1,400 in Amtrak tickets!

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Amtrak points are worth more than most other reward currencies, with each point worth about 2.9c toward most train fares (or 2.56 on Acela fares). That means that the 40K offer on the Amtrak Rewards Preferred card will buy you well over $1,000 in train tickets (nearly $1200 on non-Acela service!).

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Points will expire if your account has been inactive for more than 24 months (no points have been earned or redeemed during that time). From traveling on Amtrak® to beautiful destinations across the U.S. to earning points on shopping, check out the many ways to keep your Amtrak Guest Rewards account active.

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Like many Amtrak® Guest Rewards® cardholders, I got a letter in the mail a few days ago saying that I would get a new card in the mail by October 23, 2022. The reason? Amtrak credit cards will no longer be issued by Bank of America (BofA). Instead, they will be issued by FNBO (First National Bank of Omaha).

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In conclusion, the best day to buy Amtrak tickets is Tuesday or Friday, and it's important to plan ahead and be flexible with your travel dates to get the best deals. Checking Amtrak's Deals page, joining Amtrak Guest Rewards, booking early, and traveling with a friend are other ways to save money on Amtrak tickets.

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Amtrak Network Amtrak operates a nationwide rail network, serving more than 500 destinations in 46 states, the District of Columbia and three Canadian provinces, on more than 21,400 miles of routes. It is the nation's only high-speed intercity passenger rail provider, operating at speeds up to 150 mph (241 kph).

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Amtrak Guest Rewards | Join for Free & Start Earning Today.

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Amtrak trains and accommodations tend to sell out during holidays and peak travel periods. Because fares vary based on the date and time you travel.

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The 10% discount will automatically apply to fares when qualifying travel is selected. For: Active Military: select Military (Active) from the Adult dropdown. Veterans: select Military Veteran from the Adult dropdown.

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