Card Optimizer

Best credit card for Amtrak

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at Amtrak on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at Amtrak

Top cards at Amtrak

Amtrak counts as transit unless a card has a bonus for the store itself.

  1. American Express Business Gold Card

    Top pick6% back · $375 annual fee

    $6.00 on $100

    • 4x points on transit.
    • A category you picked for this card.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • Counted with Transit picked as its Top two 4x categories.
    • The bonus rate covers up to $150,000 of spend a year.

  2. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on transit.
    • A category you picked for this card.
    • Counted with Ground transportation picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  3. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

    • 3x points on travel (includes transit).
    • 300 Aeroplan points valued at 1.5¢ each.

  4. Chase Ink Business Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on travel (includes transit).
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $150,000 of spend a year.

  5. Citi Strata

    4.2% back · $0 annual fee

    $4.20 on $100

    • 3x points on transit.
    • 300 Citi ThankYou points valued at 1.4¢ each.

  6. Barclays Wyndham Rewards Earner Plus

    4% back · $95 annual fee

    $4.00 on $100

    • 4x points on travel (includes transit).
    • 400 Wyndham Rewards points valued at 1¢ each.

  7. Navy Federal Visa Signature Flagship Rewards

    4% back · $95 annual fee

    $4.00 on $100

    • 4x points on travel (includes transit).
    • 400 Navy Federal Rewards points valued at 1¢ each.

  8. Chase World of Hyatt

    3.4% back · $95 annual fee

    $3.40 on $100

    • 2x points on transit.
    • 200 World of Hyatt points valued at 1.7¢ each.

  9. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  10. Citi Costco Anywhere Visa

    3% back · $0 annual fee

    $3.00 on $100

    • 3% cash back on travel (includes transit).