Amtrak Weighs Shifting Credit-Card Portfolio Away From BofA

Help Support Amtrak Unlimited Discussion Forum:

Bob Dylan

50+ Year Amtrak Rider
Joined
May 31, 2009
Messages
23,864
Location
Austin Texas
My BofA Amtrak card is set up to automatically pull my payment from my Chase Checking account.
And mine from my Credit Union!( although BOA mistakingly billed my Account $6,200+ last Month instead of the correct amount!🤬)

I hope they go back to Chase, never had trouble with them.
 
Last edited:

VAtrainfan

Service Attendant
Joined
Jan 26, 2017
Messages
172
Location
Portsmouth, VA
At one time my Home Mortgage was sold to BofA and they tried their darndest to get me to open a BofA account to link to. I persisted and got the payment linked back to my Chase Checking account. At the first opportunity I refinanced with a mortgage from Chase. So if the BofA AGR card goes that would end my mostly unwanted relationship with this miserable outfit.
Same here, my mortgage got sold to BofA and they tried to pressure me into moving my checking account to BofA. I didn't even bother setting up auto payments from my credit union, I just mailed paper checks for the few months they held my mortgage while I quickly refinanced.
 

joelkfla

Conductor
Joined
Oct 16, 2018
Messages
1,222
Location
12 miles from Walt Disney World
I don't want to get too far afield but Amex's extended warranty benefit is quite possibly one of the most underrated credit card perks out there.
It was, but they dropped it on the card I have: Blue Cash. The only benefits left are car rental protection & purchase protection.

Currently, the Citibank Costco card has the best warranty for me. They add a full 2 years onto the warranty, even if it's only 90 days, up to 5 years. Unfortunately, cashback is only 1% on most things, it only gets paid out once a year, and it has to be redeemed at Costco. And then there's the little matter of the Costco membership fee, which is borderline worthwhile for a single senior.
 

Anderson

Engineer
Joined
Nov 16, 2010
Messages
9,728
Location
Virginia
There were two "glitches" in the BofA switch for me:
(1) On opening day, the system was auto-rejecting all online applications...but not phone applications. So I got approved over the phone. When this was resolved, all the rejected applications were reviewed and I was approved for a second card.
(2) The initial spend bonuses [i.e. the 20k points] initially posted as TQPs at 1:1 [so 20k TQPs]. Those TQPs were later pulled, but I got a free upgrade card out of the deal since I was already Select Executive.
 

TheVig

Service Attendant
Joined
Jun 22, 2020
Messages
129
Location
Charlotte NC
I really don't care who the card gets pimped off to. I've got accounts, in one form or another with all the big banks many like to call evil and inept. Never really had issues with any of them.
 

dwebarts

Service Attendant
Joined
Aug 27, 2021
Messages
123
Location
Bethesda MD
One needs to travel with a full deck of cards these days :D
I pick the card to use based on applicable rewards since I don't carry a balance. I have them all in Apple Pay so for most places, I don't even pull out my wallet.

For that matter, I don't even pull out my phone unless I have to (usually to order) and use my Apple watch to pay.

Once a geek …
 
Joined
Jul 7, 2020
Messages
1,182
I am seriously considering ditching my Marriott AMEX for the Capitol One Venture X. I already have the Chase Marriott card and only got the AMEX because of a very generous sign up bonus.

Does anyone know if you can book Amtrak travel through Capitol One's travel portal? That would make the switch a no brainer.
 

jebr

Enthusiastic Transit Rider
Gathering Team Member
Joined
Jan 23, 2012
Messages
4,582
Location
"The Last Great City of the East," St. Paul, MN
I am seriously considering ditching my Marriott AMEX for the Capitol One Venture X. I already have the Chase Marriott card and only got the AMEX because of a very generous sign up bonus.

Does anyone know if you can book Amtrak travel through Capitol One's travel portal? That would make the switch a no brainer.
No you cannot. I just checked NYC to WAS and it only shows the flight options, no Amtrak (or bus) options.
 

Danib62

Service Attendant
Joined
May 11, 2021
Messages
197
Location
Washington, DC
I pick the card to use based on applicable rewards since I don't carry a balance. I have them all in Apple Pay so for most places, I don't even pull out my wallet.

For that matter, I don't even pull out my phone unless I have to (usually to order) and use my Apple watch to pay.

Once a geek …
I recently came the realization that now that my SmarTrip card lives on my phone most days my wallet never leaves my pocket. I subsequently downsized my wallet accordingly and only keep the bare essentials in it.
 

jis

Chief Dispatcher
Staff member
Administator
Moderator
Gathering Team Member
Joined
Aug 24, 2003
Messages
30,380
Location
Space Coast, Florida, Area code 3-2-1
I pick the card to use based on applicable rewards since I don't carry a balance. I have them all in Apple Pay so for most places, I don't even pull out my wallet.

For that matter, I don't even pull out my phone unless I have to (usually to order) and use my Apple watch to pay.

Once a geek …
My deck of cards mostly lives in my watch.

But when traveling abroad where ApplePay does not work, the deck, or a part of it has to physically manifest itself. 🤷🏻

I usually carry one physical card on me for those occasions where technology fails or is inconvenient for one of a myriad reasons.
 
Last edited:

StanJazz

Service Attendant
Joined
Sep 4, 2009
Messages
200
Location
CHI
I cannot find any mention of the Amtrak credit card on either the Amtrak or Bank of America websites. So, it looks like the card will be going to a new bank. Still no mention of what the new bank will be or whether the card will transfer over to the new bank, or we will need to apply for it. If we have to apply for it, then we could get a new sign-up bonus.
 

TheVig

Service Attendant
Joined
Jun 22, 2020
Messages
129
Location
Charlotte NC
I cannot find any mention of the Amtrak credit card on either the Amtrak or Bank of America websites. So, it looks like the card will be going to a new bank. Still no mention of what the new bank will be or whether the card will transfer over to the new bank, or we will need to apply for it. If we have to apply for it, then we could get a new sign-up bonus.
There are a few co-branded credit cards missing from the BofA site, besides Amtrak.
 
Last edited:

jebr

Enthusiastic Transit Rider
Gathering Team Member
Joined
Jan 23, 2012
Messages
4,582
Location
"The Last Great City of the East," St. Paul, MN
We should see Amtrak and or BofA release a statement soon.
I would think we'll only see a statement if something's changing (whether moving away from BoA or some sort of revamped card offering from BoA.)

EDIT: I missed the post a couple posts up that mentioned that it's not on the Amtrak or BoA website. I know it's been off the BoA website for a while but it's a bit worrying that there's no mention of it on the Amtrak website either. They weren't even trying to get me to sign up during the check-out process (didn't sign in so it wouldn't know that I already have the card.)
 

oregon pioneer

Engineer
Joined
Feb 15, 2011
Messages
2,531
Location
near Seneca, Oregon
And mine from my Credit Union!( although BOA mistakingly billed my Account $6,200+ last Month instead of the correct amount!🤬)
This is precisely why I use my bank's "bill pay" site instead of letting payees pull what they think I owe. I control who gets paid, how much, and when.

I cannot find any mention of the Amtrak credit card on either the Amtrak or Bank of America websites.
You are right, it should be here (at the very least): Ways to Earn | Amtrak Guest Rewards

I know they are keeping the relationship with BoA at least till the end of the year, because I am quite sure the current promotion runs till then. After that, I'll be happy to sign up for another card and get another points bonus...
 
Top