FNBO · Public card profile
Amtrak Guest Rewards Preferred Mastercard
Review published reward categories, fees, recurring benefits, and source-dated offer history. Product terms can change; confirm current information with the issuer.
Last reviewed: September 9, 2026 · Current issuer destination
- Annual fee
- $99
- Card type
- Personal
- Market
- US
Published reward categories
2.00×
Dining
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
2.00×
Transit
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
2.00×
Travel
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
1.00×
Other Purchases
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Published benefits
annual
Anniversary Companion Coupon
Issued at account opening and each card anniversary; redemption and route restrictions apply.
annual
Anniversary One-Class Upgrade Coupon
Issued at account opening and each card anniversary; eligible trains and restrictions apply.
annual
Anniversary Station Lounge Pass
Issued at account opening and each card anniversary; participating locations and restrictions apply.
Independent information: CreditCardCompanion does not collect bank credentials or transaction history. Compensation never changes the factual card information shown, and approval is never guaranteed.
No compensation link is active for this card. Verify the current offer and complete terms directly with the issuer.
Renewal and alternatives
Renewal baseline: start with the $99 annual fee, then count only recurring rewards and benefits you expect to use. Welcome offers belong in a separate first-year calculation.
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Decision summary
Where this card may fit
Potential best uses
- 2.00× Dining
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value. - 2.00× Transit
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value. - 2.00× Travel
Published points per dollar on eligible purchases; redemption value, merchant coding, exclusions, and program terms affect realized value.
Cost and benefits
Start with the annual fee and count only benefits that replace normal spending.
3 recurring benefits currently catalogued.
Watch before choosing
- The $99 annual fee requires a recurring-value check.
Data status: reviewed September 9, 2026. Check official source. Approval is not predicted.