AH Part I: How to Hack Amtrak (Legally) and Immediately Save 76%

AH Part I: How to Hack Amtrak (Legally) and Immediately Save 76%

Amtrak Hacks with Nathan Agin


As of January 2016, Amtrak has changed their redemption program from region-based to distance-based. As such, the deal below no longer works as written. If nothing else, I hope it shows you some terrific short-distance lines available!


This is the FIRST in a series of posts on train travel – including how I took a first-class, cross-country trip for FREE (Part II), and why Trains beat Planes & Automobiles (Part III)! 

These posts are also a way to share how I, not being wealthy, travel as much as I do – this is something available to just about everyone.


You can go on Amtrak’s site today and instantly save up to 76% off the actual fares. Nothing illegal or unethical. It’s totally legit, and couldn’t be simpler.


How is this possible?

Let me give you the one-sentence answer RIGHT HERE:

All you need to do is purchase points from Amtrak.

Interested in a bit more detail and analysis? Glad you asked… :-)


In an effort to demonstrate how I can afford to be a full-time traveler (because it’s not from a trust fund :-)), I’ll be sharing more about my travel hacking methods…


I recently took the train from Portland, OR to Seattle, WA. For a coach seat, this trip costs $52.

Now, with Amtrak’s loyalty program, Amtrak Guest Rewards, one can get that same fare for only 1000 points.

How much is 1000 points? $27.50, which is almost HALF the normal price. Pretty nice, right? Oh, and how much does it cost to join Guest Rewards? Nada, zip, zilch – it’s FREE.


Why is this such a great deal?

Boston, MA to New York’s Penn Station is roughly the same distance as PDX-SEA and requires 3000 points (three times as many); in terms of price, BOS-NYP is $68 (30% more).

Now this 1000-point deal doesn’t just stop at PDX-SEA. You can go all the way from Eugene, OR to Vancouver, BC (360 miles), or from San Diego to Santa Barbara (300 miles) – all for only 1000 points! In fact, you can go around different sections of the ENTIRE COUNTRY for only 1000 points!

Amtrak Routes

You can use this 1000 point deal for ANY segment on the lines above. You don’t need to ride the entire line to get the deal.

Only want to go from LA to San Deigo? 1000 points. Or how about LA up to Santa Barbara? Yup, just 1000 points! For those familiar with Southern California (like me), if I knew there was a way to pay less than $30 and enjoy the ride in comfort with no delays (instead of sitting on the 5 or the 101 inching along), I’d take that offer in a heartbeat!


IMPORTANT NOTE: usually purchasing points is a bad deal, as the companies set it up to make money. In general, I don’t recommend acquiring points this way, but this deal is definitely an exception.


So you see: on Amtrak, you can travel 360 miles for less than $30! With gas prices averaging $3.50+ per gallon, you might be able to pull that off with a Hybrid, but it’d be close. With the train, though, all you have to do is sit there. No traffic, no gas stations, no hassle. You can even enjoy the ride (catch up on that book!) and actually see the sights, instead of staring at the back of the car in front of you!


Here are the TOP 5 Routes with this deal:

  1. CASCADES: Vancouver, BC – Seattle – Tacoma – Portland – Salem – Eugene: save 76%
  2. SALUKI: Chicago – Carbondale, IL: save 68%
  3. ILLINOIS ZEPHYR: Chicago – Quincy, IL: save 60%
  4. PACIFIC SURFLINER: San Luis Obispo – Santa Barbara – LA – San Diego: save 53%
  5. BLUE WATER: Port Huron, MI – Chicago, IL: save 45%


And here are the Routes where you LOSE with this deal:

  1. LINCOLN SERVICE: Chicago, IL – St. Louis, MO: 15% more
  2. HIAWATHA: Milwaukee, WI – Chicago, IL: 20% more
  3. DOWNEASTER: Portland, ME – Boston, MA: 45% more

**savings based on lowest fare possible from end-to-end of line, on a Saturday in July
**fares may be higher based on date and time you search; that means you might find a better deal = higher savings!


Here’s the full table breakdown of all the routes, the savings, and value per point (click to enlarge).

amtrak rate table


For those who are more visual learners (and because I’m an Excel nerd – to the MAX!), here’s a chart with the savings information for each line (click to enlarge).

train savings chart



Lines available with this deal and whether or not it’s worth pursuing with the 1000 points: 

(just to clarify – these lines run in both directions – click-through for detailed information on each line)


Yes, most of the lines are local to the Midwest, but if that’s where you’re traveling, you’re in luck! As mentioned, the Cascades line is an exceptional deal, and the California lines (especially the Surfliner) look pretty good, too!


A quick word on VALUATION (value of each point): just like with stocks, you want to buy points when the value is low, and use them when the value is high. To calculate valuation, you divide the actual cost by the number of points required.

Actual Cost / Points Required = Valuation

Remember that BOS-NYP trip from earlier? It costs $68 or 3000 points for a coach seat.

$68 / 3000 = $.02 value per point (not a great deal)

In the chart above, you’ll see that the value of a ticket on the entire Cascades line is a whopping $.12 per point (117/1000) – that’s ridiculously amazing! I’ve never seen anything that good! Most of the time the exchange value is around $.01-.02, some times $.03-.04 if you’re lucky or know how to really hack the system (the companies are looking to break even or make money with their point programs).

Another example of valuation…

The trip I took from Portland-Seattle was in Business Class. That ticket would have cost me $68 if I bought it outright. Fortunately, there’s also a deal with upgraded classes on these lines: seats are only 1500 points. (Biz Class in other routes start at 6500 points!)

To purchase 1500 points through Amtrak is only $41.25, a 40% savings right off the bat! The value of each point when I purchase them is $.027 (41.25/1500), but when I exchange those points for that Business Class seat on PDX-SEA, the value is $.045 (68/1500) – the value almost doubles without me doing a thing! If only the stock market worked that easily! :-)


A note on Business Class: yeah, it rules. Not gonna lie. This deal definitely works in terms of value for Biz Class, though you may see a few less percentage points in savings and maybe a penny drop in value, but it’s still a great deal! Plus, you get a reserved, comfy leather seat, which means no waiting in the humungous coach line at the station, not to mention other perks, like silence, comfort and a $3 coupon good at the snack bar (score)!

biz class chair

this Business Class chair could be yours!

How to do this:


enroll box

  1. Visit the Amtrak Guest Rewards site
  2. Select “Enroll” in the top right box (see screenshot)
  3. On the next screen, enter your login and personal information and click “Enroll” at the bottom of the screen
  4. You’ll receive an email confirmation of your AGR login details



  1. Once you’ve received your Guest Rewards information via email, go back to the Rewards site and click “Log in” (in the same box as “Enroll”)
  2. Enter your account information
  3. Click on “EARN” at the top of the site (see screenshot)earn
  4. Click on “Buy Points” in the left sidebar
  5. Select “BUY POINTS FOR YOURSELF” (if you’re feeling generous, select the “FRIENDS AND FAMILY” option :-))
  6. Enter your account information and select “1000 points – $27.50” (or “1500 for $41.25” if Biz Class is how you roll)
  7. Enter your credit card information
  8. Select purchase
  • NOTE: The points will be posted to your account within 72 hours.




  1. Once the points have been posted, click on “Redeem” at the top of the site (next to “Earn”)
  2. Under “MOST POPULAR,” select “Show More” under the “COACH CLASS – SPECIAL ROUTES” (see screenshot)
  3. amtrak packageOn the pop-up screen, select “BOOK”
  4. On the Find a Ticket screen, enter your travel info: departing and arrival stations, your date, and time preference (if any)
  5. On the Select Train screen, select the route and time desired (if more than one option exists). Check the “Important” box and click “Next” (see screenshot)
  6. pick trainOn the Passenger Info screen, enter your Amtrak.com login information (different from your Guest Rewards – annoying, I know) to populate your personal info; otherwise, enter it manually, and click “Next”
  7. On the Redeem screen, review all details and click “Redeem Points”
  8. The Confirmation screen will have your itinerary and confirmation number – all of this information will also be emailed to you
  • NOTE: The email is not your ticket – you will pick that up at the station. You can either print out your emailed confirmation or use a credit card to access your ticket at their “Quick-Trak” self-service kiosks, or go to a ticket agent.

That’s it! You’ve just used points to book a ticket! No fees, no taxes – couldn’t be simpler!

Guess what else just happened? You just hacked the system. Feels pretty good, right?


Final points:

  • This deal could go on for years, or end at any time. Like with the US Mint/$1 coins, when companies get word of what’s going on, sometimes they take action.
  • I recently learned that if you have the Amtrak World Mastercard, you get a 5% rebate on points redeemed automatically redeposited in your account. So instead of it costing 1000 points, it will actually only cost 950 – an even better deal and an even higher valuation!
  • Refer-a-friend to the Amtrak Guest Rewards program and if they travel within 90 days of joining, you each get a 500 point bonus. See the AGR website for details.
  • There are often promotion codes and discounts – what is outlined above may or may not be the best deal out there at the time you want to book your trip. This may just be the shortest amount of work.
nathan on the train

Making a call from somewhere pretty remote – and awesome!

Just a reminder: this is the FIRST in a series of posts on train travel – if you’d like to be the first to know when the others are published, just subscribe below.


What’s your best Amtrak Hack, by using the current system?


I’d love to hear your answer along with any other comments you have below. Hope to see you on the train!

Until next time,


Did you enjoy this post?
Please like/tweet/share it with your amazing social network – and thank you!


Former life: actor/office worker/virtual assistant; lived in Los Angeles for 11 years. Since then: sold nearly everything, took a $5 flight to Hawaii, lived there for 3 months, wrote an eGuide about all of it, and still traveling. Currently: digital nomad - looking to improve myself, have fun and serve others.

8 comments on “AH Part I: How to Hack Amtrak (Legally) and Immediately Save 76%
  1. Virgo Degan says:

    I wonder if you can use the Amtrak MasterCard to purchase gift cards, and then pay the bill with the gift cards? For every dollar you spend on the Amtrak CC, you earn 1 point. After a few months, and a lot of gift card purchases, I could go from LA to NY virtually for free. Yes?

    • Nathan says:

      Hey Virgo! Great question.

      I’ve never looked into the whole Vanilla Reload/Bluebird approach, which is what I believe you meant. It’s always seemed a bit too complicated for me, and with some short research, it seems like businesses are clamping down on how to use this effectively with credit cards.

      As for alternatives, you can send someone money through Amazon Payments (up to $1000/month with no fee) with your card.

      OR (and this is how I might proceed if I were really gung ho about using the train…)

      Get a big bonus credit card with either Chase (Sapphire and/or Ink Bold) or SPG (Personal and/or Biz) and then you can TRANSFER those points directly to Amtrak at a rate of 1:1. I think that would be the quickest and easiest way to pad your Amtrak balance.

      Good luck – let me know if you have any more questions! Hope it works out!

  2. David says:

    Hi Nathan. Good article. I noticed the price for 1,500 points is now $41.25. From Holland MI to Chicago (what amtrak calls a “special route”) the cost for the ticket is about $58. The points cost is 1,500 each way so a total of 3,000 points or $82.50. So clearly in the example it’s much cheaper to just buy the ticket. Am I doing something wrong or does it just not work in some circumstances? Thanks!

    • Nathan says:

      Hey David-

      You’re correct. I don’t have the routes in front of me, but often, it might make more sense (and cost less) to purchase tickets directly for a shorter segment of a “special” route. In another example in Oregon, I know that it would most likely be cheaper for me to purchase a ticket directly for Portland-Eugene, rather than use points. However, if I wanted to travel from Eugene to Seattle, WA or Vancouver, BC, it may be better to use points.

      So, if you ever find yourself going on a longer segment of a “special” route, you might want to price out the cost of purchasing points – or better yet, start accumulating them to have on hand later!

  3. Ray Stepon says:

    Dear Nathan,
    I rode Amtrak for the first time on Monday, and enjoyed it!
    I was on the Cascades, from Tacoma to Vancouver. Paid $44 in the “Value” price tier.

    You mentioned that Cascades is the best line to save money by buying points. I’ve tried several scenarios (choosing a date way in advance, choosing a Wednesday, etc.). Yet it seems that paying with dollars is always better than using points.

    • Nathan says:

      Glad to hear you had a great trip, Ray!

      Since the beginning of 2016, when Amtrak changed their redemption program from region-based to distance-based, this changed a LOT of the strategies and discounts I and others had been able to enjoy. Instead of being able to use 1k points to take a trip, the number of points is now based on how far you go.

      As such, Amtrak points won’t work the same as written above, but that doesn’t mean there aren’t great deals to be had, you’ll just need to go about it differently. Still one of my favorite ways to see the country!

  4. Anonymous says:

    FYI amtrak raised the price to 1000pts/$37.70. You can’t save money by buying points anymore.

    • Nathan says:

      Yeah, it’s a shame that kind of deal went away. There’s still good items to be found, you just need to look a bit deeper!

2 Pings/Trackbacks for "AH Part I: How to Hack Amtrak (Legally) and Immediately Save 76%"
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  2. […] points. Why would you want to do that? Because for a few routes around the country, it’s cheaper to purchase points and use those to pay than it is to buy coach tickets straight out. The blog Nonstop Awesomeness is where I learned about […]

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