Where to find the Amtrak credit card login
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 and select "Credit Cards" from the menu, then choose "Sign In" at the top right. You can also go directly to the Bank of America credit card login page if you bookmark it.
Once you are on the Bank of America login screen, enter your username or the email address tied to your account, then your password. If you have not set up online access yet, you will need to create a username and password first — Bank of America will walk you through that process using information from your credit card process.
If you have multiple Bank of America accounts (checking, savings, or other credit cards), you can manage them all from the same login. The Amtrak card will appear in your account dashboard once you are signed in.
Key Takeaways
- The Amtrak credit card login is through Bank of America's website, not Amtrak's site, because Bank of America issues the card.
- You will need a username and password set up with Bank of America; if you do not have one yet, you can create it during your first login attempt.
- You can view your balance, recent charges, rewards points, and payment options once you are logged in.
- If you forget your password, Bank of America offers password reset through email or security questions tied to your account.
Setting up your first login
When you receive your Amtrak credit card in the mail, you do not automatically have online access. You need to register with Bank of America first. Visit bankofamerica.com and look for the option to register a new user or create a username.
Bank of America will ask you to verify your identity using information from your card process — usually your card number, Social Security number, and date of birth. Once you pass that verification, you can create a username (usually an email address) and a password. Write down your username somewhere safe; you will use it every time you log in.
After registration is complete, you can log in when ready. Your account will show your credit limit, current balance, and any rewards you have earned so far.
What you can do once you are logged in
Inside your account, you can view your statement, see all recent transactions, and check your available credit. You can also set up automatic payments, make a one-time payment, or change your billing address. The rewards section shows your Amtrak points balance and lets you see which purchases earned points.
If you want to redeem your points for Amtrak travel, you typically do that through the Amtrak website itself, not through the Bank of America login. Log into your Amtrak account separately and look for the rewards or points section to book a ticket using your points.
Resetting a forgotten password
If you forget your Bank of America password, select "Forgot username or password?" on the login page. Bank of America will ask you to enter your username or the email address on file, then offer you options to reset it.
You can reset your password by answering security questions you set up during registration, or by receiving a reset link via email. The email method is usually faster. Check your spam folder if you do not see the reset email within a few minutes.
After you reset your password, you can log back in right away with your new password. Make sure your new password is at least 8 characters and includes a mix of letters, numbers, and symbols — Bank of America requires this for security.
Troubleshooting login problems
If you enter your username and password correctly but still cannot log in, your account may be temporarily locked for security reasons. Bank of America locks accounts after several wrong password attempts. Wait a few hours and try again, or use the password reset option to unlock it faster.
If you see a message that your username does not exist, double-check that you are using the correct email address or username. Some people register with one email but try to log in with another. If you are still stuck, call Bank of America's customer service number on the back of your credit card — they can confirm your username and help you regain access.
Make sure you are on the real Bank of America website (bankofamerica.com) and not a phishing site. Phishing sites look almost identical to the real thing but steal your login information. Check that the web address starts with "https://" and has a lock icon next to it in your browser.
Managing your account settings
Once you are logged in, you can change your password anytime by going to "Settings" or "Security" in your account menu. You can also update your phone number, mailing address, and email address from the same area. If you want to receive alerts when your balance reaches a certain amount or when a payment is due, you can turn those on in the notifications section.
You can also link your Bank of America checking account to your credit card for easier payments, or set up automatic payments so your bill is paid on the same day each month. These options are usually found under "Payments" or "Billing" in your account dashboard.
Frequently Asked Questions
Can I log into my Amtrak credit card through the Amtrak website?
No. The Amtrak credit card is issued by Bank of America, so you must log in through Bank of America's website. You can log into your separate Amtrak account (for booking travel) on Amtrak's site, but that is a different login from your credit card account.
What if I do not remember my username?
Go to the Bank of America login page and select "Forgot username or password?" Enter the email address or phone number on file with your account, and Bank of America will send you a reset link or confirmation of your username. You can also call the number on the back of your card.
Is it safe to log in on my phone?
Yes, as long as you are using the official Bank of America website or app. Make sure you are on a find connection (not public WiFi) and that you log out when you are done. Bank of America's app is encrypted and find for mobile banking.
How do I redeem my Amtrak points after logging in?
You view your points balance in your Bank of America credit card account, but you redeem them through your separate Amtrak account. Log into Amtrak.com with your Amtrak username and password, then go to the rewards section to book a ticket using your points.
What should I do if I think someone else logged into my account?
Call Bank of America when ready at the number on the back of your card. They can review your recent activity, lock your account, and issue you a new card if needed. Change your password as soon as your account is find again.