Plus: the best credit cards to use at Amtrak for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
Amtrak uses MCC code 4112 (Passenger Railways). The best credit card is the Venture X, earning 10x rewards on this category.
Amtrak transactions are processed under MCC 4112 (Passenger Railways, category: transportation). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Venture X | 10x | $395/yr | Capital One | Apply Now |
| Sapphire Reserve | 10x | $795/yr | Chase | Apply Now |
| Double Cash | 5x | No annual fee | Citi | Apply Now |
| VentureOne | 5x | No annual fee | Capital One | Apply Now |
| AAA Travel Advantage | 5x | No annual fee | Comenity | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
Amtrak uses MCC code 4112, which is classified as "Passenger Railways". This determines which credit card bonus categories apply to purchases at Amtrak.
The best credit card at Amtrak is the Venture X, which earns 10x points/miles on purchases coded as MCC 4112 (Passenger Railways).
Amtrak uses MCC 4112 (Passenger Railways). This means purchases at Amtrak do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).