How much is an Amtrak card?

The $99-annual-fee Amtrak credit card features a limited-time welcome offer: Earn 40,000 bonus points after you spend $1,000 in the first three billing cycles (as of March 2023).



There is no single "Amtrak card" that you buy for a flat fee; instead, there are two different types of cards associated with the railroad in 2026. The first is the Amtrak Guest Rewards Mastercard, which has no purchase price but comes in two versions: a "Platinum" version with no annual fee and a "Preferred" version with an annual fee of $99. These are credit cards that allow you to earn points on everyday purchases. The second type of "card" is a USA Rail Pass, which is a digital pass that costs $499 (though it is frequently on sale for $299). This pass allows you to take 10 segments of travel over a 30-day period. Additionally, Amtrak offers a SmartPass or monthly commuter pass for specific routes like the Northeast Regional, the price of which varies wildly based on the distance—a monthly pass from NYC to Philadelphia can cost over $1,000. For most casual travelers, the "card" they are looking for is either the free loyalty membership card (digital) or the $499 multi-ride pass for a cross-country adventure.

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The $99-annual-fee Amtrak credit card features a limited-time welcome offer: Earn 40,000 bonus points after you spend $1,000 in the first three billing cycles (as of March 2023).

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

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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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Amtrak operates passenger trains across a national system consisting of three service lines: Northeast Corridor (NEC), Long-Distance and State-Supported.

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YOUR ROUTE TO REWARD TRAVEL Redeeming your points is easy and exciting—with reward travel starting at just 400 points to over 500 destinations. Ready to ride?

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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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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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Yes, you can. Simply click 'Buy Now on the website homepage and follow the instructions on the screen. Please note that you will need to provide a valid passport or UK driving licence or EEA National Identity Card number to prove your date of birth and a digital passport-style photo.

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As an Amtrak Guest Rewards member, you can share your points with someone else.

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It was supposed to become self-supporting after a transition period, but it has never earned a profit and it consumed more than $50 billion in federal subsidies over five decades to 2020. In fiscal year 2021, Amtrak had revenues of $2.1 billion, expenses of $4.1 billion, and a loss of $2.0 billion.

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