The Amtrak Guest Rewards Credit Card is Worthwhile to Keep and Here’s Why

Many will probably poke fun at me for mentioning this, but yes, I do have the Amtrak Guest Rewards Credit Card and yes, I think it is worthwhile to keep and not cancel.

Amtrak Guest Rewards Credit CardI say this for several reasons, some of which you may not agree with depending on where you live or how much you frequent Amtrak.

First off, it’s worth noting that the public offer for this card comes with a 12,000 point bonus and no annual fee. 12,000 points is enough for 3 one-way trips in the Northeast Corridor, or 12 one-way trips in select services in the mid-west and New England.

This card earns 1 point for every dollar spent, and 2 points for every dollar spent on Amtrak. Want to earn more points faster? Consider using a Chase Ultimate Rewards earning card, since those points transfer to Amtrak at a 1:1 ration.

There’s No Annual Fee

With a no annual fee card, you can keep this card in your sock drawer without fear of having to call the retention department at Chase every year to waive any fees. That said, it’s worthwhile to spend on this card once in awhile to keep the card itself from going inactive, however, I do not use this card as any primary card in my wallet, nor do I put any substantial spend on it.

5% Rebate on Amtrak Guest Rewards Redemptions

When you redeem your points for Amtrak travel, you’ll get 5% of those points back in your account. Combined with no annual fee, this essentially acts as a free rebate so long as you hold the card. Granted, 5% isn’t much, but if you were to redeem 100,000 Amtrak Guest Rewards points in a year, you’d have an additional one-way trip in the Northeast Corridor thanks to the 5,000 points you’d be credit.

READ MORE  Amex Premier Rewards Gold Card Loses 15K Point Bonus

No Amtrak Points Expiration

Normally, Amtrak Guest Rewards points expire 36 months after your last paid Amtrak travel. So, once every three years, you need to travel Amtrak to keep your points alive – except if you have this card, which keeps those points alive so long as you’re a cardholder.

Who is this card not for?

  • If you don’t ever travel Amtrak, consider this card useless.
  • If you leave outside of an Amtrak heavy area, such as in the Northeast, you may not find this card as useful.
  • If you pay for your Amtrak tickets outright, and don’t ever make redemptions on their trains, you may find this card not worthwhile.

Find those elusive Awards & Upgrades - Find Flight Availability, Flight Upgrades & Awards, Frequent Flyer Information and more with

Looking for the best way to earn miles and points quickly? Visit the "Credit Cards" drop down on the main menu bar above for the hottest deals! Want to learn more and stay up to date on the latest tips, tricks and deals? Join My Travel Tips Facebook Page!   This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

READ MORE  My latest round of credit card applications


  1. MrChu says

    or if you travel so much on Amtrak that you have the highest status…you don’t need this card…5% is not very useful. Its better to use the Sapphire card, redeem points to United and save a Chase slot for better cards! Now if only it was issued by someone else…

  2. says

    It’s better than a cruise line card but not as good as an Ultimate reward card. I do like the feature that keeps your points from expiring but if you have the Ultimate reward type card then it wouldn’t matter much I guess. Good post though.

Leave a Reply

Your email address will not be published. Required fields are marked *