Amtrak Guest Rewards® Preferred Mastercard®
The Amtrak Guest Rewards® Preferred Mastercard® from FNBO earns up to 5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: EARN 20,000 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
- $99
Madeen may earn compensation from some apply links. Affiliate disclosure
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 Preferred 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 | 2x points | 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 Preferred Mastercard reward caps and conditions?
The Amtrak Guest Rewards Preferred Mastercard has 2 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
- 2 points per $1 spent on transit
Who should get the Amtrak Guest Rewards Preferred Mastercard?
The Amtrak Guest Rewards Preferred 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 Preferred 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 the $99 fee fits your usage; 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 foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Amtrak Guest Rewards value depends on how you redeem, not straight cash back.
Does the Amtrak Guest Rewards Preferred Mastercard have an annual fee, and what's the welcome bonus?
The Amtrak Guest Rewards Preferred Mastercard has an annual fee of $99 and a foreign transaction fee of None. New applicants may see: EARN 20,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- EARN 20,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening.
What benefits come with the Amtrak Guest Rewards Preferred Mastercard?
The Amtrak Guest Rewards Preferred Mastercard includes 20% ONBOARD REBATE, 5% POINT REBATE, COMPANION COUPON 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.
- 20% ONBOARD REBATE
20% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES
- 5% POINT REBATE
5% POINT REBATE?
- COMPANION COUPON
ROUND-TRIP COMPANION COUPON
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite 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+. Offer expires 1/31/2027.
- LOUNGE PASS
STATION LOUNGE PASS
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Common questions about the Amtrak Guest Rewards Preferred Mastercard
Does the Amtrak Guest Rewards Preferred Mastercard have an annual fee?
The Amtrak Guest Rewards Preferred Mastercard carries an annual fee of $99 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 Preferred Mastercard?
Dining is the strongest Madeen category for the Amtrak Guest Rewards Preferred 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 Preferred Mastercard charge foreign transaction fees?
The Amtrak Guest Rewards Preferred 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 Preferred Mastercard welcome bonus?
The Amtrak Guest Rewards Preferred Mastercard welcome offer in our snapshot: EARN 20,000 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.
Is the Amtrak Guest Rewards Preferred Mastercard annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Amtrak Guest Rewards Preferred Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Amtrak Guest Rewards Preferred 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 does the Amtrak Guest Rewards Preferred Mastercard compare to similar cards?
Compare the Amtrak Guest Rewards Preferred Mastercard against Amtrak Guest Rewards Mastercard (5% on Dining, $0 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 Preferred Mastercard This card | Dining | 5% | $99 |
| Dining | 5% | $0 | |
| Dining | 4.6% | $0 | |
| Dining | 4.6% | $0 | |
| Dining | 3% | $0 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.