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Current welcome offer
20,000 Points
Earn 20,000 bonus points after spending $1,000 in the first 3 billing cycles of account opening. See terms.
Annual Fee
$99
How to Earn Rewards
3x
points per $1 spent* on Amtrak travel, including onboard purchases
2x
points per $1 spent* on dining, travel, transit and rideshare
1x
point per $1 spent* everywhere else
Benefits
One round-trip companion coupon upon account opening and each year at account anniversary
One-class upgrade upon account opening and each year at account anniversary
One station lounge pass upon account opening and each year at account anniversary
My Take
When there is an elevated welcome offer, this card could be good fit for you if you are a regular Amtrak user. The lowest redemption available with Amtrak is 400 points. If you earn 40,000 points, that’s worth about $1000 in Amtrak travel!
offer History
The standard offer on this card is 20,000 points. An elevated offer of 40,000 points has available two to three times per year since 2023. The most recent 40,000 point offer ended in August 2025.
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