Earn 5X Points Promo with AGR Credit Card

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Railroad Bill

Buckeye Train Watcher
Joined
Jun 28, 2007
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3,806
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Northern Ohio
I received the BOA offer yesterday and the notice about extra points buy on AGR. Also wished I had waited to buy my Amtrak Gathering trips, but with other things we put on the card will still make the max limit. It was nice to get those extra points last December.
 

diesteldorf

Lead Service Attendant
Joined
Mar 27, 2006
Messages
349
I got the email yesterday. (I would pay my rent by credit card if they didn't charge me $50 to do so - outrageous.)

Have you ever tried signing up for Paypal Key and linking it to your Amtrak Card? I know many prefer not to deal with Paypal, but Paypal Key gives you a virtual Mastercard that is treated as a DEBIT card at many places.

My online rent portal, charges 3% to pay with a credit card, but a flat $9.99 to use a debit card. I linked my Paypal Key # to my Amtrak card and made a $990.00 rent payment ($990.00 + $9.99 debit card fee) to earn 4000 extra AGR points.
 
Joined
Jan 15, 2012
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3,651
Location
LAX
Have you ever tried signing up for Paypal Key and linking it to your Amtrak Card? I know many prefer not to deal with Paypal, but Paypal Key gives you a virtual Mastercard that is treated as a DEBIT card at many places.

My online rent portal, charges 3% to pay with a credit card, but a flat $9.99 to use a debit card. I linked my Paypal Key # to my Amtrak card and made a $990.00 rent payment ($990.00 + $9.99 debit card fee) to earn 4000 extra AGR points.
Would this fine print apply to what you describe? "Cash Advances and Balances Transfers do not apply for purposes of this offer."
Just curious how BofA might interpret the transaction.
 

diesteldorf

Lead Service Attendant
Joined
Mar 27, 2006
Messages
349
Would this fine print apply to what you describe? "Cash Advances and Balances Transfers do not apply for purposes of this offer."
Just curious how BofA might interpret the transaction.

Several years ago, I asked that my cash advance feature be disabled or greatly reduced as a safety precaution. BOA wasn't able to completely disable it, but set it with a $300 limit. My transaction went through without any issues. I did something similar in December, but only made an $800 charge, leaving points on the table. Kudos to whoever pointed out that maxing out this promo required a spend of $1000+. So far, I've experienced no repercussions from BOA.

The actual charge posted as 'Other Goods and Services.'
 

JeanA

Train Attendant
Joined
Jul 6, 2015
Messages
51
Location
NYC
I got this offer. I just purchased $900 worth of airfare on the AGR card to get my bonus points. I had not been using the AGR card for a while because I have switched to the Capital One Venture X.
I hadn't been using my card, either. I moved all my automatic payments to a hotel card and started using a cash-back card for everything else when I realized that I wouldn't be able to travel for a while. Maybe that's why I got the offer...?
 
Joined
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Messages
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Location
LAX
I hadn't been using my card, either. I moved all my automatic payments to a hotel card and started using a cash-back card for everything else when I realized that I wouldn't be able to travel for a while. Maybe that's why I got the offer...?
My wife and I are continous users of our AGR cards (we each have our own). We each received and activated the offer as was the case last December. Light or non-use of the card was not the "trigger" in our case.
 

jebr

Enthusiastic Transit Rider
Gathering Team Member
Joined
Jan 23, 2012
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"The Last Great City of the East," St. Paul, MN
Would this fine print apply to what you describe? "Cash Advances and Balances Transfers do not apply for purposes of this offer."
Just curious how BofA might interpret the transaction.

In my experience PayPal Key doesn't code as a cash advance - presumably since you're still paying a merchant for goods and/or services directly. I've used it to pay my rent many times on the BoA Customized Cash card - the 3% on online shopping applies to my rent payment, and via PayPal Key the transaction cost through the property management company I rent from is only $3.95.

However, sending money directly to someone else via PayPal (without it being coded on PayPal's end as a business transaction - however that happens) will code as a cash advance with BoA. Learned that the hard way about a year ago.
 

Danib62

Service Attendant
Joined
May 11, 2021
Messages
216
Location
Washington, DC
My points posted too. Only 3833. Not sure why I didn’t get the full 4000, pretty sure I spent over $1000 during the promotional period.

EDIT: went back and double checked my spending and apparently I was under.
 

Bob Dylan

50+ Year Amtrak Rider
Joined
May 31, 2009
Messages
24,368
Location
Austin Texas
Just got my May AGR Statement and the 4,000 Bonus Points were in my Account!😊

Most of my Points now come from Bill Auto-Pay and Purchases. I've only been on Amtrak twice this year, an Acela Trip in NYC and a Day Trip to Dallas.
 
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