FNBO · Mastercard World · Personal
Amtrak Guest Rewards Preferred
A $99-a-year card earning Amtrak Guest Rewards: 3× on Special, 1× on everything else.
- Annual fee
- $99Charged every year
- Signup bonus
- 30,000 ≈ $768 in travel (our estimate)*
- Top rate
- 3×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 30,000 points | $768 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$99 | −$99 |
| NetYear one includes the bonus · at your inputs · our estimates* | $669 | −$99 |
Bonus terms: Earn up to 30,000 bonus points: 25,000 points once you spend $1,500, and an additional 5,000 points once you add an authorized user, both within the first 3 billing cycles of account opening.
Earning structure
6 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Special NotesOn Amtrak travel. | 3× | $7.68 | |
| Dining | 2× | $5.12 | |
| Ridesharing | 2× | $5.12 | |
| Transit | 2× | $5.12 | |
| Travel | 2× | $5.12 | |
| All Other | 1× | $2.56 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $99
- 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 20% 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 Preferred |  Amtrak Guest Rewards |  Ducks Unlimited Rewards |  Chase Sapphire Preferred | |
|---|---|---|---|---|
| Annual fee | $99 | $0−$99 | $0−$99 | $95−$4 |
| Signup bonus | 30,000 pts | 20,000 pts | None | 75,000 pts |
| Top rate | 3×Special | 2×Special, Dining | 3×Specified Store(s) | 5×7 categories |
| Travel value * | 2.56¢Amtrak Guest Rewards | 2.56¢Amtrak Guest Rewards | –Cash back | 1.85¢Ultimate Rewards |
| Why it’s here | This card | Same issuer and the same Amtrak Guest Rewards points, with no annual fee | An annual fee within $100 | An annual fee within $100, with transferable points |
Amtrak Guest Rewards
$0 fee (−$99) · 2× top20,000 pts bonusSame issuer and the same Amtrak Guest Rewards points, with no annual fee
Ducks Unlimited Rewards
$0 fee (−$99) · 3× topNone bonusAn annual fee within $100
Chase Sapphire Preferred
$95 fee (−$4) · 5× top75,000 pts bonusAn annual fee within $100, with transferable points
* 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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