Amtrak Guest Rewards Preferred Mastercard
FNBO$99 a yearStandard MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
25,000points
after $1,500 in purchases in the first 3 months
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus25,000 points at 2.56¢ | $640 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$338 |
| Annual fee | −$99 |
| Meeting the $1,500 minimumearns 2.56% here, the same as Double Cash | $0 |
| First year | $879 |
| Each year after | +$239 |
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 5.1% |
| 2X | Travel | 5.1% |
| 2X | Transit | 5.1% |
| 3X | Amtrak purchases | 7.7% |
| 1X | Everything else | 2.6% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | Rideshare | 5.1% |
Personal card · Earns Amtrak Guest Rewards
Where this card ranks
- Best card for travel5.1%
- Best card for transit5.1%
- Listed among 147 cards for dining5.1%
- Listed among 91 cards for flights5.1%
- Listed among 99 cards for hotels5.1%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Lounge Access (1)
- Amtrak Metropolitan Lounge (1 visits/year): 1 free guest
Elite status (1)
- Amtrak Guest Rewards: Earn 1K Tier Qualifying Points towards elite status for each $5K spend (up to 4K TQPs per calendar year)
Other Perks
- Annual complimentary companion coupon
- Annual one-class upgrade
- 5% Amtrak Guest Rewards point rebate on redemptions
- 20% statement credit rebate on onboard food & beverage purchases
The Amtrak Guest Rewards family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Amtrak PreferredOct 8, 2026
- changed from 25K points after $1.5K spend + 5K points after adding an authorized user, all within the first 3 billing cycles (Offer Expires 9/2/2026) to 25K points after $1.5K spend + 5K points after adding an authorized user, all within the first 3 billing cycles (Offer Expires 11/4/2026)Aug 26, 2026
- changed from 2026-09-02 to 2026-11-04Aug 26, 2026
- changed from null to 1500Aug 13, 2026
- changed from null to 90Aug 13, 2026