@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.
