50 Best Credit Cards For Amtrak | The Point Calculator

Best Credit Cards For

Amtrak Spend

Get a list of the 50 best credit cards for Amtrak based on your spend, pulled from a database of 250+ cards. Compare results side by side top cards.


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Amtrak is a passenger railroad service that provides medium and long distance travel between 46 states and few cities in Canada. Since Amtrak is a rail service, which qualifies as travel, it's fairly easy to get a great return when purchasing Amtrak tickets.

The Amtrak World Elite Mastercard is the best option if you want to earn Amtrak Guest Rewards Points and receive a bunch of benefits such as point rebates, annual companion coupons, class upgrades, and tier qualifying points towards elite status with Amtrak. It's also worth mentioning that Amtrak Guest Rewards Points have a high value. If you're looking to build points specifically for free rides on Amtrak, this is the route to take.

If you're not looking for Amtrak Guest Rewards Points and you don't really care for perks that Amtrak's credit cards offer, then there's several cards that can fill the void. If you value Membership Rewards Points, the AMEX Green Card will be the best option from AMEX's line-up of point earning cards. It earns 3x on both travel and dining which is an easy 3% return up to a 6%+ return if you know how to squeeze value out of AMEX's transfer partners.

On the Ultimate Rewards Points size of the fence, you have the Chase Ink Business Preferred Card which offers 3x on travel and several other business categories. The Chase Sapphire Reserve can be a good option as well as long as you have the spend to satisfy the high annual fee.

The Citi ThankYou Premier Card will be a great option for those looking to earn triple ThankYou Points on travel purchases.

Want cash back options? The Bank of America Cash Rewards personal and business card offers between 3% and 5.25% back on travel purchases based on how much you have invested with them and their partners. If you shop at Costco or Sam's Club, the Costco Anywhere Visa Card and Sam's Club Mastercard both offer 3% back on travel.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.

Network

The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.

Personal/Business

Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.

Region

The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.

Results

Do note that results may take a few seconds to generate after doing a search.
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Page Last Updated: 2020-03-04
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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