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PreSwipe  /  Merchants  /  Amtrak

Does Amtrak
code as Travel?

Know exactly how your credit card will categorize a purchase at Amtrak — before you tap.

Codes as expected
VisaMastercardAmexDiscover
MCC Code
4112
Category
Passenger Railways
Reward Category
Travel
Confirmed by
PreSwipe team
Best cards for Amtrak
Chase Freedom Unlimited
5% back on travel via Chase
5% back
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Blue Cash Preferred
3% back on transit
3% back
Amex Green
3x MR on travel & transit
3x MR
Chase Sapphire Reserve
3x UR on travel
3x UR
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Trinity Railway Express
Transit · MCC 4112
Expected

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Frequently asked questions
What MCC code does Amtrak use?
Amtrak uses MCC 4112 — Passenger Railways. This is the four-digit Merchant Category Code assigned to Amtrak by card networks and determines how your purchase is categorized for rewards.
Does Amtrak count as passenger railways for credit card rewards?
Yes — Amtrak codes as Passenger Railways (MCC 4112), so purchases here should earn bonus rewards on cards that offer a passenger railways category bonus.
Which credit card earns the most rewards at Amtrak?
The best card depends on how Amtrak codes. Since it uses MCC 4112 (Passenger Railways), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.