The best credit cards for Amtrak and train travel
Editor's Note
Whether you're aiming to reduce your carbon footprint or simply eliminate some of the hassles that can come with air travel on shorter trips, you may find yourself opting to travel by train more frequently.
When booking train travel, you'll want to use the right credit card for payment. Many of our favorite travel cards also offer an excellent return in this space, but train travel also unlocks the unique benefits of the Amtrak credit cards.
If you find yourself traveling by train, it's worth your time to take a look at these cards and determine if they are a worthwhile addition to your wallet.
The best cards for Amtrak travel
Amtrak Guest Rewards® Preferred Mastercard®
Sign-up bonus: Earn 20,000 bonus points after spending $1,000 on purchases within the first three billing cycles from account opening.
Annual fee: $99
Perks: Earn 3 points per dollar on Amtrak travel (including onboard purchases), 2 points per dollar on dining, travel, transit and ride-hailing services and 1 point per dollar on all other purchases.
Cardholders also receive a 20% rebate as a statement credit for onboard food and beverage purchases with this card as well as a 5% points rebate when redeeming points with Amtrak. They receive a station lounge pass, one class upgrade and a round-trip companion coupon. Additionally, they are exempt from points expiration.
The information for the Amtrak Guest Rewards Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Amtrak Guest Rewards® Mastercard®
Sign-up bonus: Earn 12,000 bonus points after spending $1,000 on purchases within the first three billing cycles from account opening.
Annual fee: $0
Perks: Earn 2 points per dollar on Amtrak travel including onboard purchases, 2 points per dollar on dining and 1 point per dollar on all other purchases. Cardholders receive a 10% rebate as a statement credit for onboard food and beverage purchases, a 5% rebate when redeeming points for travel on Amtrak and an exemption from points expiration.
The information for the Amtrak Guest Rewards Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Best cards for train travel
Of course, an Amtrak Guest Rewards credit card isn't the only way to earn points for train travel. Here is how they compare to some other great options for travelers exploring the world by rail:
| Card | Amtrak Guest Rewards® Mastercard® | Amtrak Guest Rewards® Preferred Mastercard® | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | American Express® Green Card |
|---|---|---|---|---|---|
Annual fee | $0 | $99 | $95 | $95 (see rates and fees) | $150 (see rates & fees) |
Earning rates | 2 points per dollar on Amtrak travel, 2 points per dollar on dining, 1 point per dollar on all other purchases | 3 points per dollar on Amtrak travel, 2 points per dollar on other travel and 1 point per dollar on everything else | 2 miles per dollar on everyday spending | 5 total points per dollar on all travel purchased through Chase Travel℠; 3 points per dollar on dining, including eligible delivery services, takeout and dining out; 3 points per dollar on select streaming services; 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs); 2 points per dollar on all other travel purchases; 1 point per dollar on all other purchases | 3 points per dollar on travel, transit, and dining at restaurants, 1 point per dollar on everything else |
Welcome offer | 12,000 bonus points after spending $1,000 on purchases within the first three billing cycles from account opening | Earn 20,000 points after making at least $1,000 in purchases within the first three billing cycles from account opening | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. Plus, upon approval, you'll receive a $250 Capital One Travel credit to use during your first year. | Earn 75,000 bonus points after you spend $5,000 on purchases in the first three months from account opening. | Earn 40,000 bonus points after you spend $3,000 on purchases in your first six months of card membership |
TPG points value* | N/A | N/A | 1.85 cents | 2.05 cents | 2 cents |
Benefits | 10% rebate for onboard food and beverage purchases; 5% rebate when booking Amtrak with points | One free station lounge pass per year; annual companion pass; 20% rebate for onboard food and beverage purchases; 5% rebate when booking Amtrak travel with points | Transfer miles to Venture Rewards partners; up to $120 credit for Global Entry/TSA PreCheck | Transfer points to Ultimate Rewards partners; travel insurance and purchase protection | Transfer points to Amex Membership Rewards partners, up to $189 statement credit annual toward CLEAR Plus |
*Valuations based on TPG valuations and not provided by the issuer.
The information for the American Express Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
If you regularly travel by train, an Amtrak credit card in your wallet is a smart choice.
The additional points per dollar earned on Amtrak travel along with the train-related perks that come with them make the Amtrak cards a smart choice for riding the rails.
While other cards can match the points per dollar earning, Amtrak points are worth more than many other types of points. This means that, for instance, earning 3 points of those points per dollar will have a greater return than earning 3 points per dollar on the Amex Green card.
That said, to realize that increased value, you'll need to redeem the points on Amtrak travel (although you can also redeem them for hotels, car rentals, and cruise, dining and entertainment gift cards).
If you are worried about lengthy delays or cancellations, factoring in various card's built-in trip protections when booking your train ticket may also be wise.
So, for frequent Amtrak travelers, it makes sense to have and use an Amtrak rewards credit card, especially when booking train trips. However, using an all-around top travel card with more flexible rewards is likely a good call for those who aren't frequent Amtrak riders.
For rates and fees of the Amex Green Card, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees