Amtrak Guest Rewards® Credit Cards Amtrak Guest Rewards Preferred Mastercard card art
Amtrak Guest Rewards® Preferred Mastercard®
$99 Annual Fee**
 Amtrak Guest Rewards Mastercard card art
Amtrak Guest Rewards® Mastercard®
No Annual Fee2
Points per $1 spent*1 on Amtrak travel, including onboard purchases 3X 2X
Points per $1 spent*1 on dining 2X 2X
Points per $1 spent*1 on travel, transit and rideshare 2X 1X
Point per $1 spent*1 everywhere else 1X 1X
Rebate on onboard food and beverage purchases in the form of a statement credit*1 20% 10%
Additional Card Benefits
Round-trip companion coupon*upon account opening and card anniversary included not included
One-class upgrade*upon account opening and card anniversary included not included
Station lounge pass*upon account opening and card anniversary included not included
Earn tier status faster*Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases included not included
Points don't expire*1as long as your account remains open included included
5% point rebate*1when you redeem your points for Amtrak travel included included
No foreign transaction fees**2on purchases made with your card outside the United States included included
Amtrak Guest Rewards® Credit Cards
Amtrak Guest Rewards Preferred Mastercard card art
Amtrak Guest Rewards® Preferred Mastercard®
$99 Annual Fee**
Amtrak Guest Rewards Mastercard card art
Amtrak Guest Rewards® Mastercard®
No Annual Fee2
Accelerated Earn
Points per $1 spent*1 on Amtrak travel, including onboard purchases
3X
2X
Points per $1 spent*1 on dining
2X
2X
Points per $1 spent*1 on travel, transit and rideshare
2X
1X
Point per $1 spent*1 everywhere else
1X
1X
Additional Card Benefits
Round-trip companion coupon* upon account opening and card anniversary
included
not included
One-class upgrade* upon account opening and card anniversary
included
not included
Station lounge pass* upon account opening and card anniversary
included
not included
Earn tier status faster* Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases
included
not included
Points don't expire*1 as long as your account remains open
included
included
5% point rebate*1 when you redeem your points for Amtrak travel
included
included
No foreign transaction fees**2 on purchases made with your card outside the United States
included
included

Amtrak Guest Rewards® Preferred Mastercard®:

* See the Credit Card Rewards Terms and Conditions for details. See the Amtrak Guest Rewards Program terms and conditions at amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other limitations. Rebate is issued as a statement credit monthly. May take up to 8 weeks to appear on your statement.

** For additional information about Annual Percentage Rates (APRs), fees and other costs, see your Rates and Term Schedule.

Amtrak Guest Rewards® Mastercard®:

1 See the Credit Card Rewards Terms and Conditions for details. See the Amtrak Guest Rewards Program terms and conditions at amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other limitations. Rebate is issued as a statement credit monthly. May take up to 8 weeks to appear on your statement.

2 For additional information about Annual Percentage Rates (APRs), fees and other costs, see your Rates and Term Schedule.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.