Best Credit Card for Amtrak in 2026
We ranked every major cash back credit card by what you actually earn at Amtrak. The top pick earns 10% — here's the full breakdown.
8 cards earning 2%+ at Amtrak · sorted by highest cash back · updated Q1 2026
Why #1: Top pick: earns 10% cash back at Amtrak — the highest rate available. Annual fee of $395/yr is easily offset by heavy use.
Why #2: Top pick: earns 8% cash back at Amtrak — the highest rate available. Annual fee of $795/yr is easily offset by heavy use.
Why #3: Top pick: earns 5% cash back at Amtrak — the highest rate available. No annual fee required.
Why #4: Top pick: earns 5% cash back at Amtrak — the highest rate available. No annual fee required.
Why #5: Top pick: earns 5% cash back at Amtrak — the highest rate available. No annual fee required.
Why #6: Top pick: earns 5% cash back at Amtrak — the highest rate available. No annual fee required.
Why #7: Top pick: earns 5% cash back at Amtrak — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.
Why #8: Strong choice at 4% — among the best non-co-branded cards for Amtrak. No annual fee.
Frequently Asked Questions
What is the best credit card to use at Amtrak?
The best card at Amtrak right now is the Capital One Venture X Rewards, earning 10% cash back. 10x miles on hotels & rental cars via Capital One Travel
Does any credit card offer more than 2% at Amtrak?
Yes — the Capital One Venture X Rewards at 10%, the Chase Sapphire Reserve® at 8%, the Chase Freedom Unlimited® at 5% all earn above 2% at Amtrak.
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