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.

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.

Best Cards By Category Calculator

The Best Credit Cards By Category Calculator below will find the best credit cards for the listed categories based on your spend and the filter options selected. This will output a list of up to 50 credit cards sorted by total return.

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

I recommend using the Rewards Calculator which allows you to compare results side by side other cards, factor in sign up bonuses, add authorized users, select elite status (hotel cards), and much more.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.


Amtrak On-Board Purchases

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. The First Year Free (FYF) / First Year Reduced (FYR) option will only show FYF/FYR cards that has an second year (and onward) annual fee that falls within the range you entered.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter -1 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'Rewards Calculator' for any of the cards listed in the results to calculate even more accurate results. You'll be able to enter spend for other categories, toggle fees, add authorized users, and more.
Results Will Appear Here

Recommended Reads