First National Bank Of Omaha
Amtrak Guest Rewards Preferred Mastercard
$99 / yr · Earns AMTRAK
A $99 per year Amtrak card for regular train riders. It earns 3X points on Amtrak travel, 2X on dining, travel, transit and rideshare and 1X on everything else. Each year it gives a round-trip companion coupon, a one-class upgrade and a station lounge pass, plus 1,000 Tier Qualifying Points for every $5,000 spent and 20% back on onboard food and drinks.
Maintained by Creddy Editorial · Catalog checked Oct 26, 2026
Amtrak Guest Rewards Preferred Mastercard at a Glance: $99 Annual Fee, Issuer and Rewards
- Annual fee:
- $99 / yr
- Issuer:
- First National Bank Of Omaha
- Rewards:
- AMTRAK
Amtrak Guest Rewards Preferred Mastercard Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 2x | |
| Dining | 2x | |
| Transit | 2x | |
| Rideshare | 2x | |
| Everything else | 1x |
Who Should Get the Amtrak Guest Rewards Preferred Mastercard?
The Amtrak Guest Rewards Preferred Mastercard fits people who spend most on travel general (2x) and dining (2x). With a $99 annual fee and no recurring credits in Creddy's catalog, your rewards need to cover the fee.
Is the Amtrak Guest Rewards Preferred Mastercard Worth the $99 Annual Fee?
The Amtrak Guest Rewards Preferred Mastercard costs $99 a year and lists no trackable statement credits, so its value has to come from earning rates and perks. Compare the rates above with your spending before paying the fee.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Amtrak Guest Rewards Preferred Mastercard Welcome Bonus
- 25,000 bonus points plus 5,000 points for adding an authorized user
Spend $1,500 within the first 3 billing cycles of account opening.
Checked Oct 26, 2026Source
Amtrak Guest Rewards Preferred Mastercard Statement Credits and When They Reset
- 20% Rebate on Onboard Food and Beverage20% / yr
Get 20% back as a statement credit on food and beverage purchases made onboard Amtrak trains with your card.
Checked Oct 26, 2026Source
Amtrak Guest Rewards Preferred Mastercard Travel Benefits
Travel Benefits
- Round-Trip Companion CouponTrackable
Get a round-trip companion coupon when you open your account and again each card anniversary, so a companion can travel with you on Amtrak.
- One-Class UpgradeTrackable
Get a one-class upgrade coupon when you open your account and again each card anniversary. Under Amtrak program terms, an upgrade applies to a one-way trip, moves you from Coach to Business Class or from Business Class to First Class, and is subject to space availability. Book the lower class first, then apply the upgrade.
- 1,000 Tier Qualifying Points for Every $5,000 Spent1,000 pts / yrMin spend $5,000
Earn 1,000 Tier Qualifying Points (TQPs) toward Amtrak Guest Rewards Select status each time you make $5,000 in qualifying purchases. Amtrak program terms cap TQPs earned by non-travel means at 4,000 per year.
Checked Oct 26, 2026Source - 5% Point Rebate on Amtrak Travel Redemptions5% / yr
Get 5% of your points back when you redeem them for Amtrak travel.
Checked Oct 26, 2026Source
Lounge Access
- Amtrak Station Lounge PassTrackable
Get a single-visit station lounge pass when you open your account and again each card anniversary. Under Amtrak program terms, you need a same-day Amtrak ticket, access depends on the lounge, and the pass is single-use and non-transferable.
More Amtrak Guest Rewards Preferred Mastercard Card Benefits
Bonus Earnings
- 3x Points on Amtrak Travel3x points
Earn 3 Amtrak Guest Rewards points per $1 spent on Amtrak travel, including onboard purchases.
Checked Oct 26, 2026Source - 2x Points on Dining, Travel, Transit and Rideshare2x points
Earn 2 points per $1 spent on dining, travel, transit and rideshare. Amtrak travel earns 3X instead.
Checked Oct 26, 2026Source - 1x Points on All Other Purchases1x points
Earn 1 point per $1 spent everywhere else.
Checked Oct 26, 2026Source
Fees & Miscellaneous
Amtrak Guest Rewards Preferred Mastercard vs Other First National Bank Of Omaha Cards
- MGM Rewards World Elite MastercardNo annual fee
- MGM Rewards Iconic World Elite Mastercard$249 / yr
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Amtrak Guest Rewards Preferred Mastercard FAQs
What is the Amtrak Guest Rewards Preferred Mastercard annual fee?
$99 / yr
What are the best Amtrak Guest Rewards Preferred Mastercard benefits?
Round-Trip Companion Coupon (); One-Class Upgrade (); Amtrak Station Lounge Pass ()