Posted by William Charles on July 19, 2017
Credit Card Offers

Published on July 19th, 2017 | by William Charles

52

[Expired] Bank of America Amtrak Credit Card 30,000 Point Bonus

This deal has expired and is no longer available. You can view the best current credit card bonuses by clicking here.

The Offer

Direct link to offer

  • You can now receive a sign up bonus of 30,000 points after $1,000 in spend within 90 days of account opening on the Bank of America Amtrak Credit card.

Card Details

  • Annual fee of $79 is not waived
  • Complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class
  • Card earns at the following rates:
    • 3 points per $1 spent with Amtrak
    • 2 points per $1 spent on all other qualifying travel purchases
    • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption

Our Verdict

Standard bonus is 20,000 points but we’ve seen 30,000 point offers before, although it’s somewhat rare to have a public link available. How useful this offer is really depends on how much you value Amtrak points and train travel in general. Points are worth 2.56-2.9¢ depending on if you’re redeeming them for Acela trains or not. We discuss this in more detail in our complete guide to AGR points. This means the sign up bonus is worth $768-$870 in train travel.  As always make sure you read through these things everybody should know about Bank of America cards before applying or asking questions in the comments as they are most likely answered there.

Hat tip to reader zackiv31



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PJ
PJ

Redemption tips would be hugely appreciated, fellow commenters. Whether use on Amtrak or transfers to other points.

Avi
Avi

I use them on Amtrak for Northeast Corridor routes. 30k points go a long way! I’m still working on using up the 55k points I transferred from Chase before they ended their partnership.

Avi
Avi

Nice! I’ve been waiting for this card to get back up to 30k points before applying. What would be the best strategy for applying for this online and the Merrill+ over the phone with only one hard pull in terms of timing? My priority is this card and don’t want to jeopardize my chances of being approved for it, but would be nice to get the Merrill+ on the same hard pull. I’ve only ever applied for multiple cards online simultaneously. I currently only have one BOA card, an old one with a very low credit limit, but I have a long credit history with lots of credit at other banks and a very high credit score.

Scot G
Scot G

Just got the 20,000 point bonus card one month ago! Will BOA match this offer for me?

Austin
Austin

Any tips for getting approved for a BoA card? I was denied for Merril+ and Alaska about 6 months ago for having too many recent accounts/inquiries. Are they just pretty new account sensitive?

AJ
AJ

I’ve read that getting a bank account from BoA helps if you don’t already have one.

John
John

Does anyone know the specifics about transferring to Choice Hotels? Do you need Elite Status and/or $250 spend with Amtrak to transfer? Does past spend with Amtrak counts towards that $250 or does it have to be post card issue?

I want this card purely for the hotel transfer possibility but if status is per-requisite its fairly useless to me. Thanks for any insights.

Pj
Pj

What choice redemptions do you like?

calwatch
calwatch

You need to spend $20,000, but it can be on anything. http://travelisfree.com/2015/10/04/the-real-details-on-the-new-amtrak-card/ Not a great deal though.

Dan
Dan

Can this card be downgraded in a year to the no annual fee version? I’ve not yet opened any BOA cards, any tips? Not going to apply this second as I still have a slot under 5/24 for another Chase card first but I am interested in the card.

My wife and I took a first trip via Amtrak a couple months back and actually loved the experience and want to do another longer trip or two here soonish and get a sleeper car. Maybe do the California Zeypher run, we hear it is beautiful. We are younger but have fallen in love with train travel it seems. Points will be the only way to go and this card would save us a ton, should be able to do a couple round trips with this and the points I already have.

CongestionCharge
CongestionCharge

Can I get more than one of these? Amtrak Select would be nice after $25k spend

David R.
David R.

I just applied for two of these. The first was approved automatically but the second went to pending. I plan to call into reconsideration in a bit on the second application. I don’t have any other cards with Bank of America.

David R.
David R.

Just to follow up, after a short 4 minute call the second card was approved. Their system had automatically flagged it as a duplicate as I submitted both applications back to back. Once I indicated that I actually wanted two cards the representative put me on a brief hold and then came back with an approval.

CongestionCharge
CongestionCharge

Wow. Thanks! Congrats!
How many BOA cards do you have now?

David R.
David R.

Just these two Amtrak ones now.

Aaron H.
Aaron H.

Redemption for travel feels a lot like Southwest’s system. Very straightforward. These points are best used for 2 things:

1) People that live on/around the Northeast Corridor.
2) People that will want to do a log distance trip through the western US, for the sake of enjoying the ride.

Amtrak points have a high dollar value, but the tickets tend to cost much more than airline tickets, due to labor costs. The routing is also much trickier for travel west of the apalachians.

If you find a route that you like with the done top (https://m.amtrak.com/mt/www.amtrak.com/fall-travel-on-the-great-dome-car?un_jtt_redirect=un_jtt_iosV) you would have a great redemption possibility. Otherwise, keep these points to BOS>NYC>BLT>DC travel for easy Northeast trips.

calwatch
calwatch

Also good deals on corridors outside the NEC. Not so hot on long distance sleepers anymore, although if you book early you can get comparable deals to pre-devaluation provided you do “normal” trips like Emeryville-Chicago or LA-Seattle instead of the wacky four day journeys. The current system also works better for those who travel in sleepers alone. Basically think of it as a 2.5 – 2.9% card if you are willing to spend your “money” on Amtrak. In comparison, Southwest points are worth 1.5-1.9%.

Dave
Dave

Any inkling of how long this offer will be around?

Russ
Russ

Hey Doc,

I recently applied for this card, I have merrill + already and 780 Fico Score, I have 12/24

I was denied and when I called recon, they checked again and said my credit history is just a bit too short and I have too many accounts. I asked for them to take some of my credit from my merrill +, they put me on hold after asking a few clarifying questions and then, once again, said they cant approve me at this time.

Is is worth calling back??

Tldr; I applied, was initially denied for too many inquiries, called recon asked for them to distribute the credit already given to me, denied again. Should I keep applying??

Michael
Michael

Literally applied for this card a couple hours before this post. Called to try to get the higher bonus matched, and BOA declined.

Anyone know whether if I close this before I receive it and reapply, if I will be eligible for the higher bonus?

Assuming the app is approved, of course..

jf
jf

Just apply for the no AF one…or the SPG cards…. you keep calling, get a sr credit analyst, they should match the bonus for you. I mean heck, 10k amtrak points, thats almost $300…..

You know your HP with BOA is good for 30 days right? What other card do you plan on getting with them?

GoldenRetrieversRule
GoldenRetrieversRule

BoA has been stricter about approving credit cards. (I had 3 Alaska cards last year. Waited 6 mos. But, was still declined in November for both Merrill and Alaska (after converting 2 of my 3 Alaskas to Cash Rewards.)

I would not close that Amtrak card, if you like it and will use it. You might be declined for a new Amtrak card when you apply a second time.

Since I have a lot of credit cards, I noticed that I seem to be auto declined, if I apply for more than 2 cards every month.

GoldenRetrieversRule
GoldenRetrieversRule

Hey DoC,

Thanks for the heads up on the new bonus on the Amtrak card. I applied, and was auto approved. Thanks much! Looking forward to train travel!

If you value Amtrak travel, this is a great card to put unbonused spend.

Elena
Elena

Got the card this week and still working on meeting the spending requirements. But I just received a welcome-letter in the mail from Amtrak with Single-visit Station Lounge pass for complimentary lounge acces for one guest and me. It was a nice surprise!

Kay
Kay

So I am very new to this, but did read the associated links.

I applied for the Amtrak card using the direct link above. They said they couldn’t approve or deny me right away so I called and they approved- BUT they said they only saw the 20,000 mile deal on the site, and could only give those points.

I gave them the direct link site but they said they would only honor points advertised on the BOA site.

I cancelled, and applied again online, and got the same pending status. Going to call tomorrow, Monday. If I can’t get the 30,000 points approved up front, should I still get the card and then try speaking to a credit analyst? Or should I ask to get approved for the 30K points before getting the card?

I also put a credit alert on all 3 credit bureaus in July after getting phished by a site. Do you think this is why I can’t get approved immediately online? (Also didn’t get approved for an Alaska card)

My background is I have an 800+ CS and over 50K income. I haven’t taken out a new credit card in several years, hence me being new to this.

I’m an Amtrak lover and need to take trains to do caretaking for my elder, so am really gunning for those extra 10K points!
Thanks for any insights. Love this site.

jf
jf

So there is an offer now where you get $100 free and 20k points….. i would say the 30k points is a better deal but still…

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