FNBO · Mastercard

Annual fee

$99

Rewards

Amtrak Guest Rewards

Earn rates

• 3x Amtrak travel, including onboard purchases — Summary of Credit Terms: "Earn 3 Points for each $1.00 of Amtrak Purchases posted to the Account." No earning cap stated.
• 2x Dining, travel, transit and rideshare — Summary of Credit Terms wording: "Earn 2 Points for each $1.00 of Travel and Transit Purchases or Dining Purchases posted to the Account."
• 20% Amtrak onboard food and beverage purchases (statement-credit rebate) — Paid as a statement credit, not points: "In the form of a statement credit*".

Foreign transaction fee

None

Purchase APR

26.49%–26.49% variable

Issuer rules

• Applying does not guarantee this product: "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."
• Rewards require program membership: "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."
• No earning cap: "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."
• Channel-specific offer: "Must apply here for this offer. Offers vary elsewhere." and "^ Offers may vary depending on where you apply, for example online or in person."
• Authorized-user bonus limit: "Only one Authorized User point bonus per account."
• Sign-up offer deadline stated on the page: "Apply by 9/2/26."
• Issued by First National Bank of Omaha: "Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated."

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