1 bank program transfers to Amtrak Guest Rewards. In the US: Bilt 2:1. Amex, Chase, Capital One and Citi do not transfer to Amtrak Guest Rewards. Checked November 2, 2026.
United States
Ratio is bank points to Amtrak Guest Rewards miles. Transfers are one-way: find the award first.
| Bank | Ratio | 10,000 points become | Transfer time | Bonus |
|---|---|---|---|---|
 BiltListed on Bilt's own transfer partner page (updated 2026-10-20). | 2:1 | 5,000 | Varies |
Does not transfer to Amtrak Guest Rewards
Amex Not a Amtrak Guest Rewards partner as of November 2, 2026.
Chase Not a Amtrak Guest Rewards partner as of November 2, 2026.
Capital One Not a Amtrak Guest Rewards partner as of November 2, 2026.
Citi Not a Amtrak Guest Rewards partner as of November 2, 2026.
Before you transfer
- Find the award seat or room first, then transfer only what you need. Transfers can't be undone.
- Compare against paying cash: run the numbers. Bonuses: transfer bonuses today. Every bank side by side: Points Ratio Index.
Questions
Which credit card points transfer to Amtrak Guest Rewards?
As of November 2, 2026: Bilt (2:1).
Does Amex transfer to Amtrak Guest Rewards?
No. Amex is not a Amtrak Guest Rewards transfer partner as of November 2, 2026. To get Amtrak Guest Rewards miles from a card, use Bilt.
Does Chase transfer to Amtrak Guest Rewards?
No. Chase is not a Amtrak Guest Rewards transfer partner as of November 2, 2026. To get Amtrak Guest Rewards miles from a card, use Bilt.
Does Capital One transfer to Amtrak Guest Rewards?
No. Capital One is not a Amtrak Guest Rewards transfer partner as of November 2, 2026. To get Amtrak Guest Rewards miles from a card, use Bilt.
Does Citi transfer to Amtrak Guest Rewards?
No. Citi is not a Amtrak Guest Rewards transfer partner as of November 2, 2026. To get Amtrak Guest Rewards miles from a card, use Bilt.
Does Bilt transfer to Amtrak Guest Rewards?
Yes. Bilt points transfer to Amtrak Guest Rewards at 2:1, so 10,000 points become 5,000 miles.
Which card gets the most Amtrak Guest Rewards miles per point?
Bilt at 2:1. A better ratio doesn't mean a better card: compare what you earn per dollar or euro too.
Amtrak Guest Rewards miles or cash?
Tell Mila the trip and the points you hold. She checks every path into Amtrak Guest Rewards, the award and the cash fare, then tells you which way to pay.
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