Amtrak Credit Card Offering Best Ever 50,000 Point Welcome Offer


Update: There’s a 50,000 point + $100 statement credit version of the offer that shows up when going through the steps of booking an Amtrak trip.  You don’t have to finalize the booking to get the offer to show up. Thanks to Aloha808 in the comments for the heads up.


The Amtrak Guest Rewards Mastercard issued by Bank of America is offering a best ever welcome bonus of 50,000 points when spending $2,500 in the first 90 days of card membership.

Amtrak 50,000 point welcome bonus

The Offers & Key Card Details

Card Offer and Details
30K points + 5K Tier Qualifying Points ⓘ Non-Affiliate
30K points + 5K TQP after $2K spend in the first 3 billing cycles
$99 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes
Earning rate: ✦ 3X Amtrak ✦ 2X qualifying travel, dining, transit, and rideshare ✦ 1X elsewhere
Base: 1X (2.56%)
Travel: 2X (5.12%)
Dine: 2X (5.12%)
Brand: 3X (7.68%)
Card Info: Mastercard World issued by FNBO. This card has no foreign currency conversion fees.
Big spend bonus: Earn 1,000 Tier Qualifying Points towards elite status for each $5K spent in a calendar year. Limit 4,000 TQPs per year.
Noteworthy perks: ✦ 5% Amtrak Guest Rewards point rebate on redemptions ✦ Complimentary companion coupon ✦ One-Class Upgrade and a single-day ClubAcela pass each year. ✦ 20% rebate for onboard food & beverage purchases as a statement credit

Quick Thoughts

50,000 points is the best offer we’ve ever seen on this Amtrak card. While 50,000 points might not sound all that amazing considering all the 100,000+ point offers out there on other cards, this welcome bonus has shot this card into the top 5 welcome offers for personal cards on our Best Offers page.

That’s due to how valuable Amtrak Guest Rewards points are. The points have somewhat fixed values depending on how they’re redeemed, but you can get up to 2.9 cents per point of value out of them which means 50,000 bonus points can be redeemed for up to $1,450 of value. That’s an incredible amount of value for a card with an annual fee of only $79 seeing as three of the four cards above it on the Best Offers page have annual fees of $695.

This increased bonus is available through September 30, 2021, so you have almost two months in which to apply for this increased offer.

h/t Help Me Build Credit

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[…] Amtrak Credit Card Offering Best Ever 50,000 Point Welcome Offer […]


can the points be transferred to be used for airlines or hotels? who out west travels by train any more.


The Amtrak points are not useful for me. Are the Hilton and Choice transfers still available? I have seen conflicting posts on this.


An additional $100 credit is available on top of the 50k SUB, when doing a dummy booking.

Last edited 2 years ago by Aloha808

What is a dummy booking?


Thanks! I got approved. I got this card 2 years ago in September and closed it last year in October. I only applied for 1 card this year, so that probably helped.