[Disclosure: Cards from our partners are reviewed below.]
If you prefer traveling by train, you’re already familiar with the advantages of riding the rails. You can avoid the hassles of airports and highways, travel in comfort, and take in the scenery as you go.
Many travel credit cards are singularly focused on flights and hotels. But some offer rewards that are just as valuable for train travelers.
Here are four travel credit cards for riding the rails.
1. Amtrak Guest Rewards World Mastercard
Rewards: Three points per dollar on Amtrak purchases; two points per dollar on eligible travel purchases; one point per dollar on all other purchases.
Sign-Up Bonus: 20,000 bonus points if you spend $1,000 in the first 90 days.
Annual Fee: $79
Annual Percentage Rate (APR): Variable 13.99% to 23.99% APR for purchases and balance transfers.
Why We Picked It: This card is designed for regular Amtrak riders.
For Rail Travel: You’ll earn triple points on all Amtrak purchases, double points on qualifying travel purchases, and single points on every other purchase. Points can be redeemed for car rentals, hotels, gift cards, and more. But when you redeem for Amtrak travel, you’ll earn a 5% rebate on points. You’ll also receive a free Amtrak companion pass with a yearly renewal once you open your account.
Drawbacks: If you don’t ride Amtrak, this card isn’t for you.
Rewards: Two points per dollar on dining and travel; one point per dollar on all other purchases.
Sign-Up Bonus: 50,000 bonus points if you spend $4,000 in the first three months.
Annual Fee: $0 the first year, then $95.
APR: Variable 16.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It: All travel purchases earn points that are redeemable for future trips.
For Rail Travel: Your travel purchases, including train tickets and public transportation, will earn double points. There are many redemption options, but you’ll get an extra 25% in value when redeeming points for travel through Chase Ultimate Rewards.
Drawbacks: There is a $95 annual fee starting in year two.
3. Citi ThankYou Premier
Rewards: Three points per dollar on travel; two points per dollar on dining and entertainment; one point per dollar on all other purchases.
Sign-Up Bonus: None
Annual Fee: $0 the first year, then $95.
APR: Variable 15.49% to 24.49% APR on purchases and balance transfers.
Why We Picked It: With triple points on travel, you can rack up rewards quickly.
For Rail Travel: You’ll earn three points per dollar on travel, including passenger and commuter railways. Points can be redeemed for travel, gift cards, merchandise, and more.
Drawbacks: There is no sign-up bonus.
Rewards: Two miles per dollar on all purchases.
Sign-Up Bonus: 40,000 bonus miles if you spend $3,000 in the first 90 days.
Annual Fee: $0 the first year, then $89.
APR: Variable 16.99%, 20.99%, or 23.99% APR on purchases; 0% for 12 months on balance transfers, then variable 16.99%, 20.99%, or 23.99% APR.
Why We Picked It: Every purchase earns double miles for future travel purchases.
For Rail Travel: This card is a good choice if you want to earn the same rewards rate across all transactions. Every purchase earns double miles, which can be redeemed for travel purchases—including train fare. Every time you redeem, you’ll get 5% of your redemption back.
Drawbacks: There are no special rewards rates for travel purchases.
How to Choose a Card for Rail Travel
If you primarily travel by train, you’ll want a card that offers great rewards rates for those expenses. With the exception of Amtrak’s travel credit card, there aren’t many cards on the market that single out trains. However, many cards do count rail travel as part of their overall travel category.
For any card you’re considering, verify that train fare will earn travel rewards and that rail travel is a valid redemption option.
What Credit Is Required for Train Travel Rewards Credit Cards?
The best travel credit cards may require good or excellent credit. Make sure you meet the credit requirements of a card before you submit an application. You can check your credit report free at Credit.com.
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