RateHerald

Our illustration, not the card’s design

FNBO credit card

Amtrak Guest Rewards® Preferred Mastercard®

$99 a year. 25,000 points welcome bonus. Purchase APR 26.74–27.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

FNBO’s terms

Welcome offer

25,000 points

Spend $1,500

25K points after spending $1,500, plus 5K points after adding an authorized user, all within the first 3 billing cycles of account opening. The 5,000-point authorized user bonus is applied to the account in 6-8 weeks; only one authorized user point bonus per account. Apply by 11/4/26. Up to 30K bonus points total.

  • Larger than about 50% of the 44 other points bonuses we track.

In dollars

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.

SpendingValue against the feeFirst yearAfter
Light spender$285$35
Typical spender$505$255
Heavy spender$1,025$775
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

Not counted: whether rewards can be spent beyond Amtrak Guest Rewards (not stated).

$35a year

$285 the first year, with the welcome bonus.

Rewards and credits$130

You keep $35−$100 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$255a year

$505 the first year, with the welcome bonus.

Rewards and credits$355

You keep $255−$100 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$775a year

$1,025 the first year, with the welcome bonus.

Rewards and credits$875

You keep $775−$100 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • Lower top APR than about 70% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

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

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Amtrak Guest Rewards

How you earn

3×
3 points per $1 spent on Amtrak travel, including onboard purchases
2×
2 points per $1 spent on dining2 points per $1 spent on travel2 points per $1 spent on transit2 points per $1 spent on rideshare
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Station lounge pass
  • Round-trip companion coupon upon account opening and card anniversary
  • One-class upgrade
  • Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases
  • 20% rebate on onboard food and beverage purchases, in the form of a statement credit
All 6 benefits
  • No foreign transaction fees on purchases made outside the United States

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

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?
25,000 points after $1,500 in purchases. · amtrak.com, since Nov 1, 2026
Read the card agreement

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