1 Point: Earn 1 point (base point) for every $1 of Purchases charged to the card each billing cycle. 2 Points: Earn 2 points (consisting of 1 bonus point and 1 base point) for every $1 of Purchases charged at eligible Non-Amtrak travel merchants, which include: airlines, car rental agencies, hotels, motels, inns, and resorts, steamship/cruise lines, commuter rail and travel agencies. 3 Points: Earn 3 points (consisting of 2 bonus points and 1 base point) for every $1 of eligible Amtrak travel and onboard Purchases charged to the card where Amtrak is the merchant of record. Bonus Point Processing: Merchants are assigned a merchant category code (MCC) based upon the merchant's primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into purchase categories to offer bonus rewards to you. Purchases processed through merchants that do not process transactions under the eligible MCC and purchases processed through third-party payment accounts, mobile/wireless card reader, digital wallet or similar technology where the technology does not support transmission of MCCs will not qualify to receive bonus rewards. Instead, those ineligible MCC-based Purchases will earn 1 point per $1 spent.
