Just applied for the WMC version - I am traveling back to Philly from Providence this fall after a Cape Cod trip and it was a lot cheaper to take Acela than fly, plus I can use the upgrade to First Class. I applied on the home page, only to then discover that I could apply for the card when purchasing the train ticket and then be able to use it immediately. It's odd both options use the same application page, yet you can't use your account instantly if you don't apply when booking travel. I ended up booking on another card just to make sure I secured my seat.