Should You Get the Amtrak Credit Card?

If you regularly ride Amtrak or are planning a few big trips by rail this year, the Amtrak Guest Rewards credit cards might be worth a closer look. Co-branded with First National Bank of Omaha (FNBO), these cards offer valuable perks—especially for frequent travelers. In this guide, we’ll break down both versions and help you decide which, if any, is the right fit.

Quick Comparison: Amtrak Credit Card Options

Amtrak Guest Rewards Preferred Mastercard: Best for Frequent Riders

The Preferred version is clearly designed for serious Amtrak travelers. It offers:

• 3x points on Amtrak purchases
• A companion ticket and class upgrade every year
• Lounge access pass
• 20% back as a statement credit on food and drinks onboard
• Up to 4,000 TQPs per year (which help you achieve elite status faster)

If you ride Amtrak monthly—or take long-distance trips like the California Zephyr or Northeast Regional—these perks can quickly outweigh the $99 annual fee.

Amtrak Guest Rewards Mastercard (No Annual Fee): For Casual Travelers

The no-fee version has fewer frills but still earns valuable points:

• 2x on Amtrak and dining
• 1x on everything else
• 10% back on onboard purchases
• 5% rebate on point redemptions

This is a good choice for occasional travelers who want to earn some rewards without committing to a fee.

Which Card Fits Your Travel Style?

Here’s how to decide:

• Commuter in the Northeast Corridor? Preferred card pays off.
• Planning a once-a-year vacation by train? No-fee card likely better.
• Traveling with family? Companion coupons and lounge access on the Preferred version add serious value.

Pros & Cons

Preferred Mastercard ✅ High point earnings on Amtrak ✅ Companion and upgrade benefits ✅ Lounge access, TQPs ❌ $99 annual fee

No-Fee Mastercard ✅ $0 annual fee ✅ Still earns useful points ✅ Rebates on redemptions ❌ No travel perks (lounge, upgrades, coupons) ❌ Foreign transaction fees apply

FAQs

Q: Do Amtrak points expire? A: No, as long as your account is open and active.

Q: Are there blackout dates when redeeming points? A: No, you can use your points any day if award space is available.

Q: Can I transfer Amtrak points? A: No, Amtrak Guest Rewards points are not transferable to other programs.

Q: Is the Preferred Mastercard metal? A: No, it’s plastic like most travel cards.

Final Verdict

The Amtrak credit cards are well-structured for train travel enthusiasts. The Preferred Mastercard offers the best perks and is ideal for regular riders, while the no-fee version is a good entry point for occasional trips. Either way, you’ll get better value on your rail travel just by using the card.