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Card Economics
- Annual Fee
- $99
- Ongoing Annual Value
- $24
- First-Year Value Estimate
- $533
- Net Value
- −$75
Card type: PersonalForeign transaction fee: NoneCurrency: Amtrak Guest Rewards
Sign-up Bonus
25K points after $1.5K spend + 5K points after adding an authorized user, all within the first 3 billing cycles (Offer Expires 11/4/2026)
Am I eligible?Earning Structure
3XAmtrak purchases7.7%
2XDining5.1%
2XRideshare5.1%
2XTransit5.1%
2XTravel5.1%
1XAll other purchases2.6%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
- Best card for travel5.1%
- Best card for transit5.1%
- Listed among 144 cards for dining5.1%
- Listed among 94 cards for flights5.1%
- Listed among 102 cards for hotels5.1%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Lounge Access (1)
- Amtrak Metropolitan Lounge (1 visits/year) — 1 free guest
Elite Status (1)
- Amtrak Guest Rewards: Earn 1K Tier Qualifying Points towards elite status for each $5K spend (up to 4K TQPs per calendar year)
Other Perks
- annual complimentary companion coupon
- annual one-class upgrade
- 5% Amtrak Guest Rewards point rebate on redemptions
- 20% statement credit rebate on onboard food & beverage purchases
