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I am similar in many but not all respects. I do not use the AGR MasterCard. I have another issuer's card that I want to stick with so I forgo what would be substantial AGR points from their affinity card. I have hit Select Plus level easily because all of my Amtrak travel except connections is on sleepers in long distance trains. The Select Plus tier bonus really helps as have the spring and summer AGR promotions. Most of my hotel stays are at Starwood hotels, so I get hotel points. I have not had any car rentals. I joined in March 2009 and will probably have 100,000 points from all sources in the first twelve months. I first started train travel in mid 2005 and kick myself for the point earnings I missed until I signed up this year. Travelers should sign up before their very first trip, regardless of how much traveling they think they will do in the future.