FNBO · Mastercard World · Personal
Amtrak Guest Rewards
A no-annual-fee card earning Amtrak Guest Rewards: 2× on Dining and Special, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 20,000 ≈ $512 in travel (our estimate)*
- Top rate
- 2×Dining, Special
- Point value
- 2.56¢ In travel · 2.56¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 20,000 points | $512 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $512 | $0 |
Bonus terms: Earn up to 20,000 bonus points: 15,000 points once you spend $1,000, and an additional 5,000 points once you add an authorized user, both within the first 3 billing cycles of account opening.
Earning structure
3 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 2× | $5.12 | |
Special NotesOn Amtrak travel. | 2× | $5.12 | |
| All Other | 1× | $2.56 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World
- Bank
- FNBO
- Point system
- Amtrak Guest Rewards
- Travel value (our estimate)*
- 2.56¢ per point
- Cash value (our estimate)*
- 2.56¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits6 · 4 high value
- Anniversary Bonuses High valueClass Upgrade + 2 more anniversary bonuses benefits
- Instant Perks & Status High value5% Point Rebate
- Credits & Discounts 10% Food and Beverage Credit
- Earn Perks & Status Earn Tier Status Faster
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Amtrak Guest Rewards |  Amtrak Guest Rewards Preferred |  FNBO Getaway |  Zions Bank Vivid Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $99+$99 | $0Same | $0Same |
| Signup bonus | 20,000 pts | 30,000 pts | None | 30,000 pts |
| Top rate | 2×Dining, Special | 3×Special | 3×3 categories | 3×11 categories |
| Travel value * | 2.56¢Amtrak Guest Rewards | 2.56¢Amtrak Guest Rewards | 1¢FNBO Rewards | –Zions Bank Rewards |
| Why it’s here | This card | Same issuer and the same Amtrak Guest Rewards points | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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