This no-annual-fee card is a light way to earn Amtrak points if you ride the train a few times a year: 2x points on Amtrak travel, including onboard purchases, 2x on dining, and 1x on everything else, with no foreign transaction fee. Ongoing extras include 10% back on onboard food and drinks and 5% of your points returned when you redeem them for Amtrak travel. The welcome offer was recently trimmed from 20,000 to 15,000 points after $1,000 in spend over the first three billing cycles, with another 5,000 points for adding an authorized user. The tradeoff is focus: the 2x Amtrak rate applies only to Amtrak, and the points are most useful if you redeem them on Amtrak. If rail is not a regular part of your travel, a general cash back card will do more for you.
Earn rates & credits
| Category | Rate |
|---|---|
Transit Amtrak travel, including onboard purchases | 2x |
Dining | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
10% Onboard Food & Beverage Rebate 10% back as a statement credit on onboard food and beverage purchases | 10% |
5% Points Rebate 5% of points back when redeeming points for Amtrak travel | 5% |
Card details
Regular APR | 18.24%–27.74% variable |
Foreign transaction fee | None |