Chase is Converting Amtrak Cardholders & We Still Don’t Know About Ultimate Rewards Transfers

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amtrakamtrak chase partnership conversion
This card is sadly no longer available.

Chase Amtrak Conversions & Ultimate Rewards Transfer Status

Chase and Amtrak are ending their credit card relationship on September 30, 2015. Along with an entirely revamped (devalued) rewards program, Amtrak has announced that a new bank will be issuing their co-branded credit card. While the new issuer hasn’t been formally announced, based on the card art it seems that it will be Bank of America.

For a full breakdown of the changes to Amtrak Rewards and a good strategy before the devaluation, I recommend Frequent Miler’s post from this morning. With that out the way, two more questions remain. What will happen to current Chase Amtrak cardholders and will Amtrak continue to be a transfer partner of Ultimate Rewards?

Current Amtrak Cards Being Converted to Freedom

It seems the first of those two questions has been answered. The Point Princess is reporting that she received a notice from Chase that her Amtrak card would be converted to the Chase Freedom as of September 30, 2015. Up until that day the card will earn Amtrak points and after that day the points will accumulate on the Freedom.

I have to say this is probably bittersweet at worst. Sure current Amtrak cardholders lose the ability to earn Amtrak points and lose the ability to transfer from Amtrak to hotel partners like Choice, but they also pickup a Freedom card which can be valuable with its 5X bonus categories.

What About Ultimate Rewards Transfers to Amtrak?

amtrakamtrak chase partnership conversion
We had a great time last year on the Coast Starlight and Empire Builder trains!

The conversion news leaves one big question left. Will Amtrak stay as an Ultimate Rewards transfer partner? It is hard to say if Amtrak will remain a transfer partner of Chase. In the past Chase has signed separate contracts for some of their transfer partners that work outside of the co-branded relationship. It is impossible to know if that is the case here, but I would hope that Chase will give us some notice if the transfers will indeed end.


With the current cardholder conversion question answered, we now must wait to see if Amtrak Rewards will continue to be an Ultimate Rewards transfer partner. Either way, huge changes have occurred and Amtrak is not nearly as attractive as it once. The days of $.05 per point Amtrak redemptions are gone and what we are left with just simply isn’t as nice.

Shawn Coomer
Since 2007 Shawn Coomer has been circling the globe with his family for pennies on the dollar. He uses that first-hand knowledge and experience to teach others how to achieve their travel dreams for the least amount of money possible.

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  1. I’ve the Amtrak card and if switched over to BOA, I’m hoping getting the Slate card becomes easier. I also have the AARP and Freedom cards.

    Now I recently got approved for the Spirit Airlines Master Card and plan to use my >20,000 miles to fly during off-peak periods. A letter from BOA stated my credit score was from Experian and is my ‘high’ score.

  2. So for those of us locked out of the Freedom by Chases draconian new churning rules for UR products, does it make sense to grab an Amtrack card?

    • My thoughts exactly. I already have a Freedom card but the more the merrier. I’m hoping this question gains more traction and we get some good discussion going.


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