Amtrak Guest Rewards® Mastercard®
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How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. 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.
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 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amtrak Guest Rewards Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee.
Dining is the strongest category at 5% effective value (2x points at about 2.5 cents each). That dining rate ranks higher than about 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amtrak Guest Rewards Mastercard compares across dining, grocery, gas, travel, and other spend.
| 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.
- 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 100% 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.
Pros
- Strongest Madeen category is dining at about 5% effective (2x points).
- That dining rate ranks higher than about 100% 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.
What is the Amtrak Guest Rewards Mastercard welcome bonus?
In Madeen's catalog snapshot, the Amtrak Guest Rewards Mastercard welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 12k Amtrak Guest Rewards (~$300 estimated)
- Terms (catalog snapshot)
- EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening
- Minimum spend
- $1,000
- Window
- 3Months
Does the Amtrak Guest Rewards Mastercard have an annual fee?
The Amtrak Guest Rewards Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
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.
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Global emergency services
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Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Priceless Experiences
$10/yrEnjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
10% ONBOARD REBATE
10% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES
5% POINT REBATE
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Related encyclopedia topics
Common questions about the Amtrak Guest Rewards Mastercard
Where do cardholders spend most with the Amtrak Guest Rewards Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Amtrak Guest Rewards Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is an Amtrak Guest Rewards credit card worth it?
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.
How much is 40000 Amtrak points worth?
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.
Is there an annual fee for the Amtrak Guest Rewards Mastercard?
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.
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.
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.
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 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure