Bank of America Amtrak Credit Card 50,000 Points + $100 Statement Credit (New Highest Offer)

Update 9/20/21: There’s now a direct link to this offer. Hat tip to reader Yet Another Redditor

Update 8/4/21: As predicted the additional $100 statement credit is available when doing a dummy booking.

The Offer

Direct link to offer Do a dummy booking to see an additional $100 statement credit

  • You can now receive a sign up bonus of 50,000 points after $2,500 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

Previous best bonus was 40,000 points + $100. Sometimes you can get an additional $100 when doing a dummy booking, the current dummy booking offer is 20,000 points + $100 so I’d recommend waiting a few days/week to see if the dummy booking starts populating a 50,000 + $100 offer or not. Dummy booking with the additional $100 credit now available.

Amtrak points are worth the following:

  • Non-Acela tickets points are worth 2.9¢ each
  • Acela tickets points are worth 2.56¢ cent
  • Monthly passes (2.9¢) must be booked via phone. Others report a rate of 1.7¢.

If you’re unfamiliar with Amtrak, I’d recommend reading our complete guide to AGR here. If you have questions about Bank of America cards then read this post. Added this to our best credit card bonuses. Worth doing if you can take advantage of the Amtrak points.

Hat tip to Help Me Build Credit

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SB
SB

Can someone please tell me how is the odds of approval for someone with one year of credit history and 2 hard inquiries?

Avi
Avi

38.4%

Just kidding. Nobody knows. But if you open a Bank of America checking account first, it should greatly increase your odds. Even better, put a decent amount of cash in there before applying for the card.

SB
SB

Lol! Thanks for the advice.

Yet Another Redditor

Got an email that the offer ends October 18, 2021

Yet Another Redditor

William Charles , Chuck Direct link for the BofA Amtrak 50K + $100SC offer is https://secure.bankofamerica.com/apply-now-services/credit-cards/initialize-card?requesttype=ICAO&campaignid=4054075

Also, per an email I received, the default 50K points offer will end on Oct 18, 2021.

jpv
jpv

Automatic approval, got instant card number. Used it a few and they eventually froze it til the physical arrived.

Need to know:
HOW LONG DO THE POINTS TAKE TO POST AFTER BONUS?

Stephen
Stephen

took me one billing cycle

Sméagol
Sméagol

A friend applied for this card last month when it still had the 20k offer and is now regretting it. Can he call Amtrak Guest Rewards (or should he call BoA) and ask if they’ll match the 50K offer? Do they even do that?

Credit Card Offers

Bofa rarely matches

Ben
Ben

William Charles it should be noted that Amtrak has killed transfers to Choice and Hilton making this offer not nearly as valuable.

yvrite
yvrite

I picked up this card today with the $100 via dummy booking. A somewhat tough call as I was saving a slot for CSP when I’m out of 48-month jail later this year, but there’s unlikely to be a more generous offer than this one and I do make reasonably frequent use of Amtrak in Normal Times.

Brad Harris
Brad Harris

I don’t see the +$100 offer on the Amtrak site. Not sure about the dummy booking thing.

Avi
Avi

Brad Harris Add a ticket to your cart, go all the way to the payment page and you’ll see the offer there.

Churnobyl
Churnobyl

Does anyone know if you can hold both this card and the no AF card simultaneously? Thanks in advance for any DPs on this!

Brian
Brian

Yes, you can.

Churnobyl
Churnobyl

P2 instant approval for this on 8/6 despite already holding the no AF version, which was opened last September. Thanks for the DP!

beltway
beltway

An important change since the 2017 post linked above: points now expire after 24 months of inactivity, not 36.

Jerry
Jerry

According to the offer, having the card seems to turn off the points expiration: “There is no point expiration or limit to how many points you can earn as long as your account is open.” Both for the AF and non-AF versions.

I like these kinds of cards, especially the ones with no AF, since I can put a recurring charge on them (e.g., Netflix) and use them to keep points from expiring.

Felix
Felix

Interesting. My points from the no-AF card just expired after three years.

Marlinwayans
Marlinwayans

Anyone approved for this card with high inquiries? Like 30/24 level high?. Thanks

William Tell
William Tell

I was rejected today.

I locked my Experian (11 hard inquiries) and applied, they tried Experian first but since the account was locked they took the report from Transunion with 4 hard inquiries (BoA is the 4th one). But still rejected my application 🙂

I asked for reconsideration but they said I have 11 new accounts in the last 12 months, this is very aggressive, we cannot accept this 🙂

I hope this helps. Good luck 🙂