THE CARDTUNED DATABASE
Amtrak Guest Rewards Preferred Mastercard
Issuer: FNBO · Network: Mastercard
3 points/$1 on Amtrak; 2 points/$1 on dining, travel, transit and rideshare; 1 point/$1 elsewhere
- Annual fee
- $99
- 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
25,000 points after $1,500 in the first 3 billing cycles; 5,000 more for adding an authorized user in that period; apply by November 4, 2026
- Spending requirement
- $1,500
- 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 |
|---|---|---|
| Eligible purchases | 3 points/$1 | on Amtrak |
| Dining & Transit | 2 points/$1 | on dining, travel, transit and rideshare |
| Eligible purchases | 1 point/$1 | elsewhere |
Additional benefits
• Companion, upgrade and station lounge coupons on opening and anniversary (Issuer/Amtrak coupon terms apply)
• Earn 1,000 Tier Qualifying Points per $5,000 eligible spend
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. Amtrak application route currently has a November 4, 2026 deadline; another FNBO landing page still shows an expired September offer. Additional authorized-user bonus requires adding a user in the 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