Where to log in to your Amtrak credit card account
The Amtrak credit card is issued by Bank of America, so you log in through Bank of America's website, not through Amtrak's main site. Go to bankofamerica.com, select "Credit Cards" from the main menu, and look for the login section. You can also go directly to the Bank of America credit card login page if you bookmark it.
You will need your 16-digit card number and your online banking password. If you do not have a Bank of America online account yet, you will need to set one up first — this takes about 10 minutes and requires your Social Security number, date of birth, and card details.
Key Takeaways
- Log in through Bank of America's website, not Amtrak's, because Bank of America issues the Amtrak credit card.
- You need your 16-digit card number and your Bank of America online password to access your account.
- If you do not have a Bank of America online account, you can create one on the same login page using your card number and personal information.
- Once logged in, you can view your balance, recent transactions, rewards points, and payment options in one place.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or phone.
What you can do once you are logged in
After you log in, your dashboard shows your current balance, available credit, and recent purchases. You can also see your Amtrak rewards points balance — the card typically earns points on every dollar spent, which you can redeem for Amtrak train tickets or upgrades.
From your account, you can make a payment toward your balance, set up automatic monthly payments, read statements, update your contact information, and report a lost or stolen card. The rewards section lets you see exactly how many points you have and what redemption options are available.
Setting up automatic payments
Automatic payments are the easiest way to avoid missed due dates. Log in, go to the payments section, and select "Set Up Automatic Payment." You can choose to pay the full balance, the minimum payment, or a fixed amount each month. Bank of America will deduct the payment from your checking or savings account on the date you choose.
Most people set their payment date a few days after payday to make sure the money is in the account. You can change or cancel automatic payments anytime by logging back in, so there is no long-term commitment if your situation changes.
Troubleshooting login problems
If you cannot remember your password, click "Forgot Password" on the login page. Bank of America will send you a reset link by email or text message, depending on what you have on file. The reset link usually works for 24 hours, so act on it the same day you request it.
If you do not receive the reset email, check your spam folder first. If it is not there, log in to your Bank of America account using a different method — such as calling their customer service line at the number on the back of your card — and update your email address or phone number. Once that is current, try the password reset again.
If you have never set up a Bank of America online account before, the login page has a "Create Account" button. You will need your card number, Social Security number, and date of birth. The account creation process usually completes in a few minutes, and you can log in when ready after.
Protecting your login information
Never share your password, card number, or the one-time codes Bank of America sends you by text or email. Bank of America will never ask you for this information by email or phone — if someone contacts you claiming to be from the bank and asks for these details, it is a scam.
Log out of your account when you are finished, especially if you are using a shared computer. Bank of America's website will also log you out automatically after a period of inactivity, usually 15 to 20 minutes. If you log in from a new device, Bank of America may send you a verification code by text or email as an extra security step.
Viewing and redeeming your rewards points
Once you are logged in, go to the rewards section to see your current points balance. The Amtrak credit card typically earns points on every purchase, with bonus points for Amtrak tickets bought directly through Amtrak or the card issuer's website. You can also earn points on everyday purchases like groceries or gas.
To redeem points, click the redemption option in the rewards section. You will see available Amtrak tickets and upgrades you can book with your points. Points do not expire as long as your account remains open and in good standing, so you can save them up for a larger trip if you want.
Frequently Asked Questions
What is the difference between logging into Amtrak.com and my credit card account?
Amtrak.com is where you book train tickets and manage your Amtrak rewards account. Your credit card account through Bank of America is where you view your card balance, make payments, and track credit card rewards points. They are separate systems, though points earned on the card can be transferred to your Amtrak account.
Can I log in on my phone?
Yes. Bank of America has a mobile app available on iOS and Android. read the app, select "Credit Cards," and log in with the same username and password you use on the website. The app shows the same information as the website — balance, transactions, and payment options.
What do I do if I think someone else is using my card?
Log in to your account and check your recent transactions. If you see charges you did not make, call the number on the back of your card when ready. Bank of America can freeze your card, dispute the charges, and send you a replacement card. Do this as soon as you notice the problem — the sooner you report it, the better your protection.
How long does it take to set up a Bank of America online account?
Account creation usually takes 5 to 10 minutes. You will need your card number, Social Security number, and date of birth. Once you finish, you can log in right away. If the system asks you security questions, answer them based on your credit history — these are to verify you are the cardholder.
Can I change my password after I log in?
Yes. Log in, go to settings or account preferences, and look for "Change Password" or "Security." Bank of America will ask you to enter your current password and then create a new one. Make your new password something you can remember but that others cannot guess — a mix of letters, numbers, and symbols is strongest.