THE CARDTUNED DATABASE
Amtrak Guest Rewards Mastercard
Issuer: FNBO · Network: Mastercard
2 points/$1 on Amtrak and dining; 1 point/$1 elsewhere
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR verified; see the live application.
- Regular APR
- 26.49% variable
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
15,000 points after $1,000 in the first 3 billing cycles; 5,000 more for adding an authorized user in that period; apply by November 4, 2026
- Spending requirement
- $1,000
- Time window
- First 3 billing cycles
- Published end date
- 2026-11-04
Offer last checked: 2026-10-01
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining | 2 points/$1 | on Amtrak and dining |
| Eligible purchases | 1 point/$1 | elsewhere |
Additional benefits
• 5% points rebate on Amtrak travel redemptions
• No annual or foreign transaction fees
Restrictions to know
Eligible net purchases only; merchant coding, account standing and issuer program rules apply. Fees, interest, cash advances and balance transfers do not earn purchase rewards. November 4, 2026 application deadline applies to the checked Amtrak route. Additional authorized-user bonus requires adding a user in first 3 billing cycles.
Who can apply
U.S. applicant of legal age; subject to identity, income and issuer credit approval.
Credit profile: Not Public / issuer underwriting applies