Your ultimate guide to Amtrak Guest Rewards

Sep 4, 2019

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All aboard! For the entire month of September at The Points Guy, we’ll be exploring the world of train travel with reviews, features, deals and tips for maximizing your trip by rail.

While the American train system pales in comparison to that of many European and Asian countries, it can still offer a convenient alternative that lets you bypass long security lines and even longer taxi times at some of the country’s most congested airports. Amtrak, which operates the majority of the medium- and long-haul passenger trains in the US, offers its own loyalty program to reward frequent customers and help you earn free rides. Today, we’re going to take a look at everything you need to know to maximize the Amtrak Guest Rewards program.

Earning Amtrak Points

If you find yourself frequently traveling on Amtrak, you might want to consider applying for one of its two cobranded credit cards issued by Bank of America. The Amtrak Guest Rewards© World Mastercard® is currently offering an elevated welcome bonus of 40,000 points after spending $2,500 in the first 90 days of account opening, while the no-annual-fee Amtrak Guest Rewards® Platinum Mastercard® is offering 12,000 bonus points after spending $1,000 in the first 90 days of account opening. TPG values Amtrak points at 2.5 cents each, making these bonuses worth $1,000 and $300 respectively.

The Amtrak Guest Rewards World Mastercard comes with a $79 annual fee, and earns 3x points per dollar on Amtrak purchases, 2x on other travel purchases and 1x everywhere else. Cardholders will receive a 20% rebate for onboard purchases. Meanwhile the Amtrak Guest Rewards Platinum Mastercard earns 2x on Amtrak purchases and 1x everywhere else. Both cards also include a complimentary companion certificate upon account opening and each year you renew your account, a one class upgrade, a 5% rebate when redeeming Amtrak points for travel and more.

If you’re a less-frequent Amtrak customer, you can still earn points from your paid train tickets. Members earn 2x points per dollar spent, plus a 25% bonus for business-class travel and a 50% bonus for Acela first class. You can also earn a 500-point bonus for referring a new friend to the Amtrak Guest Rewards program.

While Amtrak doesn’t partner with any of the major transferable points currencies like Chase or Amex, you can still transfer points from the following programs into your Amtrak Guest Rewards account:

Program Transfer Ratio
Audience Rewards 1,000:1,000
Choice Privileges 32,000:5,000
Hertz Gold Plus Rewards 600:500
Hilton Honors 10,000:1,500
Wyndham Rewards 5:1 (6,000:1,200)

Amtrak also has a number of retail and commercial partners that let you earn bonus points on hotels, car rentals and more. You can earn 1,000 points and a 15% discount when shopping for new Samsonite luggage, and TPG’s Zach Honig even earned Amtrak points on a Vinesse wine club order. In addition to partnerships with Choice Privileges and Wyndham Rewards, Amtrak members can earn up to 10,000 points when booking hotels through Amtrak Hotels & Cars or Rocketmiles.

Amtrak even operates its own online shopping portal, which offers up to 12x points per dollar spent at select merchants.

Redeeming Amtrak Points

With redemptions starting as low as 800 points, Amtrak makes it very easy to search for award redemptions on its website; simply select points instead of dollars when searching for a train. Amtrak doesn’t use a fixed award chart anymore. Much like Southwest or JetBlue, the reward prices are roughly tied to the cash cost of the ticket. In order to get the best value from your points, you’ll want to use them on trips when the cheapest saver-level tickets are sold out.

Take the popular route from Washington D.C. to New York as an example. Looking at a sample date in March, the standard Northeast Regional train costs 3,312 points for a coach “value” fare seat or 3,692 points for a business-class seat. This corresponds to cash prices of $96 and $107 respectively, giving you redemption values of 2.89 cents per point in either case. Note that the cheapest coach “saver” seats aren’t eligible for points redemption.

If we look instead at the Acela — Amtrak’s higher speed express train generally geared at business travelers — we see redemption rates of 10,121 points for a business-class seat or 16,439 points for a first-class seat. With cash prices of $173 and $281, this gives us a redemption value of 1.7 cents per point for both tickets.

Amtrak runs dozens of trains on this route each day, and the price depending on what type of train it is (Acela vs. Northeast Regional), what class of ticket is for sale (value, flexible, etc.) and simply which departure times are more sought after. On a sample date in September, the 7:15 am Northeast Regional and 7:50 am Acela are more expensive than the early morning departures. Cash prices on the Northeast Regional went up by 30% to $125 for the coach ticket, and award rates also climbed by 30% to 4,313 points keeping the valuation intact. The same thing happened with the Acela, which saw an 18% increase in both the cash and award rates.

You can even use your points to book a sleeper room on some of Amtrak’s longer and more-scenic routes, like the 46-hour journey from Chicago to Seattle. A sleeper compartment on this nonstop journey costs just over 15,000 points, versus $447 cash.

If you’re curious about what 45 hours in a train feels like, make sure to check out Katie Genter’s review of the “Superliner Roomette” from Chicago to Portland. Katie booked the tickets on sale for $448 per person for the one-way trip, and other than the subpar dining experience, she enjoyed the scenic journey (though admits that spending that long in a train certainly won’t be for everyone).

A sleeper room that could hold three passengers.
Photo by Katie Genter/The Points Guy

Amtrak also gives you the option to redeem your points for other travel experiences, such as hotels, rental cars and cruises. The options are fairly limited, but a $100 gift card to Budget, Disney or Celebrity Cruises will set you back 12,000 points. That means Amtrak is valuing your points at .83 cents each for this redemption, which is a terrible value. You’ll get roughly the same rate if you opt for dining or entertainment gift cards instead (like Applebees, AMC or Regal). Select retail partners offer a redemption rate of 1 cent per point, meaning you can get a $100 gift card to Bed Bath and Beyond, GAP or Lowes for only 10,000 points, but the $50 denomination cards still cost a full 6,000 points.

Elite Status

Amtrak Guest Rewards offers three tiers of elite status which include benefits like bonus points, upgrades, and even access to United Club locations. Qualification is based on your yearly total of Tier Qualifying Points. Members earn 2x Tier Qualifying Points per dollar spent, plus a 25% bonus for business-class tickets and a 50% bonus for Acela first-class tickets. Amtrak Guest Rewards World Mastercard cardholders can earn up to 4,000 TQPs a year — 1,000 for every $5,000 spent on their card.

Select Select Plus Select Executive
Tier Qualifying Points needed 5,000 10,000 20,000
Tier status points bonus 25% 50% 100%
One class upgrades 2 4 4 (plus one more with every additional 3,000 TQP)
Companion coupons N/A 2 2
Access to ClubAcela and Metropolitan Lounge 2 single visit passes Yes Yes
Access to United Club locations N/A Yes Yes

The partnership between Amtrak and United is also quite nice, giving Amtrak elites access to United Club locations. Amtrak does not normally allow status matching, but they will occasionally send out targeted offers allowing members to upgrade their status after completing a certain number of trips.

Bottom Line

Amtrak’s reputation has slipped over the last couple of years following a number of serious accidents and derailments, but the company is working on turning that around and restoring reliable service throughout the US. For many short trips especially up and down the coast, Amtrak is a great alternative to lengthy airport security lines and air traffic delays. Amtrak points can be incredibly valuable, especially for trips where the cheapest tickets are already sold out.

Featured photo by Summer Hull/The Points Guy

Bank of America® Premium Rewards® Visa® credit card

This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.

Apply Now
More Things to Know
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$95
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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