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Take your pick: 15K or 25K bonus points

Amtrak Guest Rewards


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Amtrak Guest Rewards
 
 
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EARN 15K BONUS POINTS* with the Amtrak Guest Rewards Mastercard
 
 
No Annual Fee**, Just Great Rewards
 
Because every dollar matters and every point counts, now earn 15,000 bonus points* after spending $1,000 in the first 3 billing cycles of your account opening. That’s enough for $400 in Amtrak travel.

Apply by 6/30/26.
Must apply here for this offer. Offers vary elsewhere.^
Summary of Credit Terms
No Annual Fee**
OR EARN 25K BONUS POINTS with the Amtrak Guest Rewards Preferred Mastercard
 
For Those Who Prefer More
 
More points, privileges and rewards. Now earn 25,000 bonus points1 when you spend $1,500 in the first 3 billing cycles of your account opening. That’s enough for over $650 in Amtrak® travel.

Apply by 6/30/26.
Must apply here for this offer. Offers vary elsewhere.^
Summary of Credit Terms
$99 Annual Fee2
Amtrak Guest Rewards Preferred Mastercard
Amtrak Guest Rewards® Preferred Mastercard®
Must apply here for this offer. Offers vary elsewhere.^
Summary of Credit Terms
$99 Annual Fee2
 
Amtrak Guest Rewards® Mastercard®
Must apply here for this offer. Offers vary elsewhere.^
Summary of Credit Terms
No Annual Fee**
 
3X POINTS
3 points per $1 spent1 on Amtrak travel, including onboard purchases
2X POINTS
2 points per $1 spent1 on dining, travel, transit and rideshare
1X POINTS
1 point per $1 spent1 everywhere else
 
2X POINTS
2 points per $1 spent* on Amtrak travel, including onboard purchases
2X POINTS
2 points per $1 spent* on dining

1X POINTS
1 point per $1 spent* everywhere else
 
20% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES
In the form of a statement credit1
10% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES
In the form of a statement credit*
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^ Offers may vary depending on where you apply, for example online or in person. To take advantage of this offer, apply now directly through this advertisement. Review offer details before you apply.

Amtrak Guest Rewards Mastercard:

*See the Credit Card Rewards Terms and Conditions for details. See the Amtrak Guest Rewards Program terms and conditions at amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other limitations.
**For additional information about Annual Percentage Rates (APRs), fees and other costs for the Amtrak Guest Rewards Mastercard, see the Summary of Credit Terms.

Amtrak Guest Rewards Preferred Mastercard:

1See the Credit Card Rewards Terms and Conditions for details. See the Amtrak Guest Rewards Program terms and conditions at amtrak.com/guestrewards for information regarding expiration, redemption, forfeiture, and other limitations.
2For additional information about Annual Percentage Rates (APRs), fees and other costs for the Amtrak Guest Rewards Preferred Mastercard, see the Summary of Credit Terms.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Amtrak® and Amtrak Guest Rewards® are registered service marks of the National Railroad Passenger Corporation.
Our mailing address is:
Amtrak Guest Rewards
P.O. Box 14368
Philadelphia, PA 19115
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