topic Re: Amtrak MC in Credit Cards

Amtrak MC

corymcd88 — Fri, 08 Jul 2016 12:56:53 GMT

Is their any difference in approval with the Amtrak MC with the AF and no AF?

Re: Amtrak MC

ddemari — Fri, 08 Jul 2016 17:05:21 GMT

If you go to the site for the amtrak mastercard, it does a side by side of the two cards. you can see which benefits the annual fee one has over the free one. and also the bonus' are different.

Re: Amtrak MC

RonM21 — Fri, 08 Jul 2016 20:46:46 GMT

That is a good way to compare most cards, if the option is there to do it that way. Good suggestion.

Re: Amtrak MC

Anonymous — Sat, 09 Jul 2016 03:18:41 GMT

@corymcd88 wrote:
Is their any difference in approval with the Amtrak MC with the AF and no AF?

No. And you already have a BOA card, unless its less than 6 months old and your credit is below 700, you could actually apply for both. And get both bonuses. Then just decide which one you want to keep.

I would go with the AF version the first year anyway for the bonus regardless, and if it doesnt make sense, then downgrade. 1 yr later apply for no AF version. The business class upgrade and bogo coupon make it worthwhile for me. Also the lounge pass. There is actually a new lounge at one of my regular stations, and the voucher is not good enough for it, so next time I'll be using a few extra points for business class seat since that gets you in to this particular lounge.

I wasnt in with BOA when I applied yet my scores were pretty good. I only went for the AF version and was denied. I had to reapply as a joint account to get approved (only for a 2100 limit), few months later got it up to 3400 if I recall, and 5 months later did a HP CLI to 15k, and was able to get it switched to just my name.

TLDR, no, the approval is the same.

Re: Amtrak MC

ddemari — Sat, 09 Jul 2016 03:39:29 GMT

I totally read OP's question wrong earlier today. thanks jfriend for anwsering it right for him.

Re: Amtrak MC

Anonymous — Sat, 09 Jul 2016 19:19:00 GMT

@ddemari wrote:
I totally read OP's question wrong earlier today. thanks jfriend for anwsering it right for him.

I thought maybe you were trying to teach a man to fish..... just kidding, and no problem!