The complete guide to Amtrak Guest Rewards
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If you’re not ready to take to the skies yet but are still planning to travel, you might be considering taking the train.
While the American train system pales in comparison to that of many European and Asian countries, it can still offer a convenient alternative to flying. 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 with free rides.
Today, we’re going to take a look at everything you need to know to maximize the Amtrak Guest Rewards program. We’re going to cover everything from earning and redeeming points, to elite status, lounge access and more.
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Amtrak operates the vast majority of intercity passenger rail routes in the U.S. From short-haul to cross-country, you could take the train to over 500 destinations in 46 states and Canada. Amtrak’s fleet includes a mix of trains with standard coach, business class and first-class seating, sleeper cars and auto trains.
Unlike airlines, Amtrak doesn’t have partner programs you can credit your points to. If you want to earn rewards on your train rides, your only option is to credit your points to Amtrak’s own Amtrak Guest Rewards program. You earn and redeem points primarily based on ticket prices. Depending on how much you spend or how often you travel in premium cabins, you may be able to earn one of three elite status levels.
Amtrak has made several customer-friendly changes in recent months due to the coronavirus outbreak, including extending elite status and the expiration date on Amtrak Guest Rewards points. Amtrak also requires face coverings, limits passenger capacity to 50% and is waiving all change and cancellation fees for reservations made through at least Aug. 31, 2020. Additionally, Amtrak is making it clearer how full a train will be, with a passenger volume number next to each train on the search results page.
Earning Amtrak points
There are a variety of ways to earn Amtrak points, including ones that don’t require you to leave your home. Amtrak points normally expire after 24 months of inactivity, though point expiration has been paused through Sept. 25. Outside of this temporary extension, you can keep your points from expiring with any qualifying activity discussed below.
Earn Amtrak points by taking the train
The most common way to earn Amtrak points is from your paid train tickets. Members earn 2 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.
Amtrak routinely offers promotions for discounted tickets and extra points. For instance, with the Double Days promo, you can earn 2x Guest Rewards points on all of your rides through Oct. 31, 2020. There’s often no limit to how many bonus points you can earn with these promotions, but registration is typically required.
Earn Amtrak points through partners
Amtrak also has several other retail and commercial partners that let you earn bonus points on hotels, car rentals and more. For instance, you can earn 1,000 points and a 15% discount when shopping for new Samsonite luggage, along with 5,500 bonus points when ordering wines from Vinesse. In addition to partnerships with Choice Privileges and Wyndham Rewards, Amtrak members can earn up to 10,000 points when booking hotels through Rocketmiles or Amtrak Hotels & Cars.
You can also buy points, but we typically only recommend doing so if you’re just short on the points you need for a specific award.
Transfer points to Amtrak
|Hertz Gold Plus Rewards||600:500|
Amtrak credit cards
If you find yourself frequently traveling on Amtrak, you might want to consider applying for one of two cobranded credit cards issued by Bank of America. The Amtrak Guest Rewards© World Mastercard® and no-annual-fee Amtrak Guest Rewards® Platinum Mastercard® are both currently offering 20,000 points after spending $1,000 in the first 90 days of account opening. The Platinum version also comes with a $100 statement credit. TPG values Amtrak points at a whopping 2.5 cents each, making each of these bonuses worth $500.
Here’s a breakdown of each card’s benefits:
|Amtrak Guest Rewards© World Mastercard®||Amtrak Guest Rewards® Platinum Mastercard®|
|Earnings on Amtrak travel, including onboard purchases||3 points per $1 spent||2 points per $1 spent|
|Earnings on other qualifying travel||3X points||N/A|
|Earnings on all other purchases||1X points||1X points|
|On-board purchase rebate||20%||10%|
Both cards also include a Complimentary Companion Coupon at account opening and each year you renew your card, a one-class upgrade, lounge pass, 5% rebate when redeeming Amtrak points for travel and 1,000 Tier Qualifying Points (TQPs) for every $5,000 spent per calendar year (up to four times).
Redeeming Amtrak points
Amtrak points are some of the most valuable around. Redemptions start as low as 800 points and searching for award space on Amtrak’s website is very easy. Simply search for a ticket as you normally would and select points instead of dollars.
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. 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.
Redeem points for Amtrak train tickets
Take the popular route from Washington D.C. to New York as an example. Looking at a sample date in January, the standard Northeast Regional train costs 3,430 points for a coach “value” fare seat or 3,815 points for a business-class seat. This corresponds to cash prices of $98 and $109, respectively, giving you a redemption value of 2.86 cents per point in either case. Note that the cheapest coach “saver” seats aren’t eligible for award redemption.
If we look instead at the Acela, we see redemption rates of 10,843 points for a business-class seat or 17,242 points for a first-class seat. With cash prices of $183 and $291, this gives us a redemption value of 1.69 cents per point for both tickets.
Amtrak runs dozens of trains on this route each day, with the price depending on the type of train (Acela vs. Northeast Regional), fare class (value, flexible, etc.) and departure times.
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 18,000 points, versus $527 cash.
If you’re curious about what 45 hours on a train feels like, make sure to check out TPG’s review of the “Superliner Roomette” from Chicago to Portland. Reporter Katie Genter booked the tickets on sale for $448 per person for the one-way tri, 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).
Redeem points for non-train travel
Amtrak also gives you the option to redeem your points for other travel experiences, such as hotels, rental cars and cruises. A $100 gift card to Barnes and Noble, Disney or Nike will set you back 10,000-12,000 points. That means Amtrak is valuing your points at 0.83 to 1 cent apiece for these redemptions, which is sub-par. You’ll get roughly the same rate if you opt for dining or entertainment gift cards instead (like Applebees, AMC or Starbucks). All of the $50 denomination cards cost 6,000 points.
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 (TQPs).
Members earn 2 points per dollar spent, plus a 25% bonus for business-class tickets and a 50% bonus on 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)|
|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 great because it gives Amtrak elites access to United Club locations when flying with the airline or another Star Alliance carrier. Amtrak does not normally allow status matches but will occasionally send out targeted offers allowing members to earn status after completing a certain number of trips.
Amtrak lounge access
You can find ClubAcela and Metropolitan lounges in Boston, Chicago, Los Angeles, New York, Philadelphia, Portland and Washington D.C. These lounges have continued to operate during the pandemic.
Access is available to passengers traveling in first-class or sleeper cars. Business class passengers can use the lounges in Chicago, Los Angeles, Portland and St. Louis.
Depending on your elite status, you may even be able to access the lounges when traveling in coach. Select Plus and Select Executive elites get unlimited lounge access, while Select members get two single-visit passes each year. Additionally, the Amtrak credit card currently includes a complimentary single-visit lounge pass upon account opening.
United Club Infinite cardholders can use the Amtrak lounges in Boston, New York, Philadelphia and Washington, D.C. Access to these lounges is also available to United Polaris business class passengers with a same-day boarding pass.
Amtrak might not have the best reputation, but the company is working on turning that around and restoring reliable service. For many short trips, especially up and down the coast, Amtrak is an excellent alternative to flying. Amtrak points can be incredibly valuable, especially for trips where the cheapest tickets are already sold out.
Additional reporting by Ethan Steinberg.
Featured photo by Summer Hull/The Points Guy
Welcome to The Points Guy!
WELCOME OFFER: 60,000 Points
TPG'S BONUS VALUATION*: $1,200
CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners
*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
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- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
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