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Amtrak Guest Rewards Mastercard vs Amtrak Guest Rewards Preferred Mastercard
Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.
Economics
Annual fee
$0
$99/yr less
$99
Ongoing annual value
$73
$49/yr more
$24
Net value (value − fee)
$73
$148/yr more
−$75
First-year value estimate
$379
$533
$154/yr more
Authorized user fee
—
—
Sign-up Bonus
Current offer
15K points after $1K spend + 5K points after adding an authorized user, all within the first 3 billing cycles
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)
Earning
Rideshare
—
2X5.1%
Transit
—
2X5.1%
Travel
—
2X5.1%
Amtrak purchases
2X5.1%
3X7.7%
Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Benefits
- Amtrak Metropolitan Lounge (1/yr)
- Amtrak Guest Rewards
Statement credits
—
—
Lounge access
—
Elite status
—
Protections
0
0
The same on both cards (7)
Foreign transaction fee
None
None
Issuer
FNBO
FNBO
Rewards currency
Amtrak Guest Rewards
Amtrak Guest Rewards
Card type
Personal
Personal
Network
Mastercard
Mastercard
All other purchases
1X2.6%
1X2.6%
Dining
2X5.1%
2X5.1%
Which one is right for you
This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.
Ask Miles which to getNo ads, no paid placement · Your wallet, your math