I've only had the card for a couple of months, but so far, I REALLY like it. The MBNA customer service has been good. Actually, the feature I like most of this card is their website. Better than any other out there. You can view all card transactions almost immediately. Even the ones that are pending!
In case you're curious, posting of points to Amtrak statement takes about 8 - 10 days.
I have to admit I like everything about the card. Too bad Amtrak's future is kind of hazy right now.
I do hope Amtrak's program will stay afloat for a long time, though...