20 cards ranked
Best credit card to use at Amtrak.
Transit
Amtrak is the US national passenger rail operator, running the Northeast Corridor and long-distance routes nationwide. Tickets usually code as travel or transit and earn on cards that bonus either, so a card counting trains as travel works best. Amtrak also offers its own Guest Rewards co-brand card for riders who travel the rails frequently.
- #1American Express Business Goldif it’s your top categoryAmerican Express4x points on transit if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)Automatically on your top 2 spending categories each billing cycle from 6 eligible (U.S. advertising, U.S. electronic goods retailers and software/cloud providers, U.S. restaurants, U.S. gas stations, transit, U.S. wireless telephone service), combined cap. Flights earn 3x via AmexTravel.com.4.8%4x points
- #2WebBank4% on transit (up to $300/month, then 1%)Shares the $300/month cap with gas and EV charging, then 1%; the cap resets on the 1st of each month4%
- #34.0%2x points
- #4World of Hyatt Businessif it’s your top categoryChase2x points on transit if it's your top eligible spend category that cycleAutomatically 2x total in your top three spend categories each calendar quarter, from dining, shipping, airline tickets bought directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet/cable/phone services4.0%2x points
- #5FNBOCo-branded Amtrak cardAmtrak travel, including onboard purchases3.0%3x points
- #6Comenity Capital Bank3% on transitTransportation, including rideshares, taxis, and limousine services3%
- #7American Express3% on transitIncluding taxis, rideshare, parking, tolls, trains, buses3%
- #83.0%3x points
- #93.0%3x points
- #103.0%3x points
- #113%
- #12Chase2x points on transitLocal transit and commuting, including rideshare2.6%2x points
- #132.4%2x points
- #142.4%2x points
- #152.0%2x points
- #162%
- #172.0%2x points
- #182.0%2x points
- #19Citi2x points on transitRides and Rails including taxis, rideshares, and public transit2.0%2x points
- #202%
Last updated September 14, 2026