FNBOChecked Oct 4, 2026

Amtrak Guest Rewards® Preferred Mastercard®

30,000 points welcome bonus. $99 a year.

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	$335	$35
Typical spender	$575	$275
Heavy spender	$1,220	$920

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

Worth more to a typical spender than about 70% 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

30,000 points

Spend $1,500 and add an authorized user within the first 3 billing cycles of account opening.

Earn 25,000 points after spending $1,500, plus 5,000 points after adding an authorized user. Apply by 11/4/26. Additional authorized-user points are applied in 6–8 weeks; only one authorized-user point bonus per account.

How you earn · Amtrak Guest Rewards

3× pointsAmtrak travel, including onboard purchases
2× pointsdining
2× pointstravel
2× pointstransit
2× pointsrideshare
1× pointsEverything else

Rates and fees

Rates and fees for the Amtrak Guest Rewards® Preferred 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

Station lounge pass
Earn 1,000 Tier Qualifying Points each time you make $5,000 in qualifying purchases
Earn tier status faster
Round-trip companion coupon upon account opening and card anniversary
One-class upgrade
20% rebate on onboard food and beverage purchases in the form of a statement credit
5% point rebate when redeeming points for Amtrak travel
No foreign transaction fees on purchases made with the card outside the United States
Points can be used toward reward travel, upgrades and more

Questions

What is the annual fee?: $99 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?: 30,000 points after $1,500 in purchases. amtrak.com, since Oct 4, 2026

Other points cards with fees up to $100

Citi Strata Premier - TravelCiti · $95 a year+$195 a year
Bilt ObsidianBilt · $95 a year+$165 a year
Bank of America Premium RewardsBank of America · $95 a year+$105 a year

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