"Earn 5X Points this Holiday Season"

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Yep. I got it too.
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I have both cards.

So do I.

It may be you are not running enough money through the card. I’ve been chasing miles and points for years with all the major banks. They all do targeted offers for various reasons, and one of those reasons is how much you are spending and sometimes on how much spend besides Amtrak tickets in this case.

The AF card gets a lot of spend from me. The no AF card, not so much.
 
I have the card with the fee and have not received this offer. How long ago did you get it?
 
I did not get the offer but I only really use the card for Amtrak and travel expenses. Anything that would only net me 1x points go other cards with better rewards.
 
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