Amtrak Guest Rewards® Mastercard®
A no-annual-fee travel rewards card from FNBO.
Rates, fees, and full terms are set by FNBO and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
people who spend heavily on dining and want travel rewards they can grow.
your spending is spread evenly, where a flat-rate card would likely earn you more.
Earning rates
Best ways to earn & redeem
Put your dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Alternatives to the Amtrak Guest Rewards® Mastercard®
Pairs well with
The Amtrak Guest Rewards® Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
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How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Amtrak Guest Rewards® Mastercard® lands.
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