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FNBO · Mastercard

FNBO Amtrak Guest Rewards

✓ Verified

Welcome bonus

Earn 12,000 points after you spend $1,000 in the first 90 days.

Annual fee
$0
Rewards
Amtrak Guest Rewards
Earn rates
  • 2x Amtrak travel (including onboard purchases)Earn 2 Points for each $1.00 of Amtrak Purchases posted to the Account.
  • 2x diningEarn 2 Points for each $1.00 of Dining Purchases posted to the Account.
  • 10% Amtrak onboard food and beverage (statement credit rebate)you will earn a 10% rebate in the form of a statement credit on Amtrak Food and Beverage Purchases posted to the Account.
Foreign transaction fee
None
Purchase APR
26.49%–26.49% variable
Issuer rules
  • Membership in the Amtrak Guest Rewards Program is required in order for Points earned in the Credit Card Rewards Program to be reported to the Amtrak Guest Rewards Program.
  • PLEASE NOTE: If you apply for a credit card, you may receive a Platinum Edition® Mastercard®, a World Mastercard®, or we may decline to open an account for you. Eligibility for card products depends on the information provided in your application and your credit card history.
  • LIMIT ON POINTS EARNED There is no limit on the number of Points that can be earned, but if we offer bonus Points, we may limit the number of bonus Points awarded for certain purchases and/or promotions.
  • Must apply here for this offer. Offers vary elsewhere.
View on FNBODirect issuer link. No affiliate relationship yet.

Sources

Every value above is verified against these sources. Last checked 2026-07-27. Anything the issuer does not publish is left out rather than estimated, so a missing row means the issuer does not state it.

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