Amtrak Guest Rewards® Mastercard®
The Amtrak Guest Rewards® Mastercard® from FNBO earns up to 5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Amtrak Guest Rewards Mastercard earn in each category?
Dining is the strongest category at 5% effective value (2x points at about 2.5 cents each). That dining rate ranks higher than about 99% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 5% effective value (2x points at about 2.5 cents each). That dining rate ranks higher than about 99% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 5% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 2.5% |
| Gas Gas stations and fuel | 1x points | 2.5% |
| Travel Flights, hotels, transit | 1x points | 2.5% |
| Other General everyday spend | 1x points | 2.5% |
Madeen values Amtrak Guest Rewards at about 2.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Amtrak Guest Rewards Mastercard reward caps and conditions?
The Amtrak Guest Rewards Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2 points per $1 spent on dining
Who should get the Amtrak Guest Rewards Mastercard?
The Amtrak Guest Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Amtrak Guest Rewards Mastercard fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 5% effective (2x points).
- That dining rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Amtrak Guest Rewards value depends on how you redeem, not straight cash back.
Does the Amtrak Guest Rewards Mastercard have an annual fee, and what's the welcome bonus?
The Amtrak Guest Rewards Mastercard has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening
What benefits come with the Amtrak Guest Rewards Mastercard?
The Amtrak Guest Rewards Mastercard includes 10% ONBOARD REBATE, 5% POINT REBATE, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 10% ONBOARD REBATE
10% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES
- 5% POINT REBATE
5% POINT REBATE?
- Global emergency servicesIncluded with World Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Mastercard®
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Mastercard GolfIncluded with World Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
- Mastercard ID Theft ProtectionIncluded with World Mastercard®
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with World Mastercard®
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Common questions about the Amtrak Guest Rewards Mastercard
Does the Amtrak Guest Rewards Mastercard have an annual fee?
The Amtrak Guest Rewards Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Amtrak Guest Rewards Mastercard?
Dining is the strongest Madeen category for the Amtrak Guest Rewards Mastercard at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Amtrak Guest Rewards Mastercard charge foreign transaction fees?
The Amtrak Guest Rewards Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Amtrak Guest Rewards Mastercard welcome bonus?
The Amtrak Guest Rewards Mastercard welcome offer in our snapshot: EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Amtrak Guest Rewards Mastercard?
Madeen's catalog lists a typical credit range of Good for the Amtrak Guest Rewards Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Amtrak Guest Rewards Mastercard?
Rewards on the Amtrak Guest Rewards Mastercard post as Amtrak Guest Rewards. Redemption value depends on how you use Amtrak Guest Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Amtrak Guest Rewards Mastercard compare to similar cards?
Compare the Amtrak Guest Rewards Mastercard against Amtrak Guest Rewards Preferred Mastercard (5% on Dining, $99 fee); Best Western Rewards Mastercard (4.6% on Dining, $0 fee); Best Western Rewards Premium Mastercard (4.6% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Amtrak Guest Rewards Mastercard This card | Dining | 5% | $0 |
| Dining | 5% | $99 | |
| Dining | 4.6% | $0 | |
| Dining | 4.6% | $0 | |
| Dining | 3% | $0 |
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