FNBOChecked Oct 4, 2026

Amtrak Guest Rewards® Mastercard®

20,000 points after you spend $1,000 in 3 months. No annual fee.

Welcome offer: Issuer's pageamtrak.com
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026Open on amtrak.com Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
Spending	First year	After
Light spender	$330	$130
Typical spender	$535	$335
Heavy spender	$930	$730

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

No annual fee, like about 85% of the 626 cards we track.
Worth more to a typical spender than about 80% of the 650 cards we track.
Lower top APR than about 65% of the 128 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

20,000 points

After you spend $1,000 on purchases in your first 3 months.

Must apply here for this offer. Offers vary elsewhere. Additional 5,000 authorized-user points will be applied within 6–8 weeks. Only one authorized-user point bonus per account.

Spending it takes$333 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

How you earn · Amtrak Guest Rewards

2× pointsAmtrak travel, including onboard purchases
2× pointsDining
1× pointsEverything else

Rates and fees

Rates and fees for the Amtrak Guest Rewards® Mastercard®, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem variable
Balance transfer fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Late payment	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Grace period	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Minimum interest charge	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

Carrying a balance? See how long it takes to pay off

Benefits

10% rebate on onboard food and beverage purchases in the form of a statement credit.
5% point rebate when redeeming points for Amtrak travel.
Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases.
One-class upgrade.
Station lounge pass.
Round-trip companion coupon upon account opening and card anniversary.
No foreign transaction fees on purchases made with the card outside the United States.

Questions

What is the annual fee?: None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?: 26.74–27.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?: 20,000 points after $1,000 in purchases in 3 months. amtrak.com, since Oct 4, 2026

Other points cards with no annual fee

GM Business MastercardBarclays · No annual fee+$565 a year
GM Rewards MastercardBarclays · No annual fee+$565 a year
CareCredit MastercardSynchrony · No annual fee+$375 a year

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).