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 once you spend $4,000 on purchases within the first three months from account opening | 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
Rewards
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
Rewards Rate
| 2X miles | 2 miles per dollar on every purchase |
| 5X miles | 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel |
| 10X miles | 10 miles per dollar on hotels and rental cars booked through Capital One Business Travel |
Intro Offer
Earn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee
$395Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850Excellent
Why We Chose It
The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)Pros
- The Capital One Venture X business card has a very lucrative welcome offer.
- In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
- Business owners are also able to add employee cards for free.
Cons
- The card requires significant spending to earn the welcome offer.
- Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
- LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month