Review: Amtrak Credit Card

amtrak-ccAmtrak in partnership with Bank of America that allow you to earn points toward future Amtrak travel. Our overview / review of the cards is below:

The has no annual fee and offers reward points in a simple way:

  • 2 points per dollar charged to the card for Amtrak purchases
  • 1 point per dollar on all other purchases with the card

In addition, if you spend $1000 with the card within the first 3 months of having it, you’ll get a bonus of 12,000 points — which is enough for a free round-trip ticket on Amtrak to many destinations.

Also, when you redeem your points for travel, you’ll get 5% redeemed back into your account. For example, if a round-trip would normally be 12,000 points, you’ll get 600 points back once you’ve redeemed those 12,000 points.

The interest rate on this card may be anywhere from 12.99% to 22.99, depending on your credit history, so, if you have a habit of carrying a card balance, you’d be better off trying to get a card with a lower interest rate without rewards — carrying a balance and paying interest essentially wipes out the reward benefits you might get.

Now, if you really love Amtrak, there’s also the , which comes with a $79 annual fee but greater rewards. With this one you get 3 points per dollar on Amtrak purchases, 2 points per dollar on other travel purchases, and 1 point per dollar on everything else. Your potential bonus is bigger, too — 20,000 points if you use the card for at least $1000 in purchases in the first 90 days.

In addition, the World MasterCard offers various upgrade perks and companion ticket opportunities.

The interest rate on the World MasterCard is the same rang12.99% – 22.99% as that of the Platinum MasterCard.

In our view, the no-annual-fee version of the Amtrak MasterCard is probably best for the casual credit card user, but if you use your card often and love riding the train versus flying or driving, the $79 annual fee for greater rewards could be worth it.

See also: Credit Card List, Instant Approval Credit Cards, Amtrak Credit Card Payment, Login, and Customer Service Information