Bank of America Amtrak Guest Rewards Credit Card: 40,000 Points + $100 Statement Credit Offer

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The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,000 value in Amtrak train fare. If the link doesn’t load, visit Amtrak.com and start booking any reservation. Then go back and reload the application link. Note that the offer on the Amtrak.com front page does not include the $100 statement credit. Improved link found via DoC. Here are the highlights:

  • 40,000 bonus points and $100 statement credit after you make $2,500 or more in purchases on your new card within 90 days of account opening.
  • Complimentary Companion Coupon, One-Class Upgrade and a Single-Visit Station Lounge Pass for access to ClubAcela, Amtrak Metropolitan Lounge, or First class lounges upon account opening.
  • 3 points per $1 spent with Amtrak
  • 2 points per $1 spent on other qualifying travel purchases
  • 1 point per $1 spent on all other purchases
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
  • 1,000 Tier Qualifying Points (TQPs) every time you make at least $5,000 in purchases in a calendar year, up to 4,000 TQPs
  • There’s no limit to how many points you can earn and you can redeem them when you want since your points will not expire as long as your card account is open.
  • No foreign transaction fees†
  • $79 annual fee.

This offer is not going to be attractive for everyone, but it can be very valuable if you either enjoy recreational train travel or if you can use it for your commuting needs.

Amtrak points are worth about 2.6 to 2.9 cents per points towards Amtrak train fare. That means 40,000 points is worth over $1,000 in Amtrak train fare. Amtrak redemptions are variable and directly-linked to the cash cost, so you can use points on basically any ticket. In addition, the $100 statement credit more than offsets the $79 annual fee.

The best value is for train fare, but Amtrak points do transfer to certain other hotel programs, although some require elite status in those programs. You can also redeem for various gift cards at a rate of 10,000 points = $100 gift card. So 40,000 points would get you $400 in gift cards to CVS, Kohl’s, Lowe’s, Starbucks, etc.

You could take the train across the entire country! There is an 18-hour Capitol Limited overnight train from Washington D.C. to Chicago in a “Superliner Bedroom” with a private bathroom.

You could then take the 3-day, 2-night trip on the California Zephyr from Chicago to San Francisco. Enjoy the views as you cut through both the Rockies and Sierra Nevada mountain ranges.

Bottom line. The Bank of America Amtrak Guest Rewards credit card currently has a limited-time offer that can get you over $1,000 value in Amtrak train fare.

I do not receive a commission for this card. The potential value is high, but I don’t know if it is too niche to include in my list of Top 10 Best Credit Card Bonus Offers. I feel that the percentage of people taking some sort of flight is much higher than those taking an Amtrak train. Am I wrong?

My Money Blog has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.



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