Amtrak Guest Rewards® Preferred Mastercard®
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How we calculate effective rate →
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..
- Top category
- Dining
- Effective value
- 5%
- Annual fee
- $99
Best for dining-heavy spend when the $99 fee fits your usage; 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 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 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 Preferred Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
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 Preferred 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 | 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.
- 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 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 the $99 fee fits your usage; 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 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.
What is the Amtrak Guest Rewards Preferred Mastercard welcome bonus?
In Madeen's catalog snapshot, the Amtrak Guest Rewards Preferred Mastercard welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- 20k Amtrak Guest Rewards (~$500 estimated)
- Terms (catalog snapshot)
- EARN 20,000 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 Preferred Mastercard have an annual fee?
The Amtrak Guest Rewards Preferred Mastercard has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
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.
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Common questions about the Amtrak Guest Rewards Preferred Mastercard
Where do cardholders spend most with the Amtrak Guest Rewards Preferred 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 Preferred 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.
How much is 40000 Amtrak points worth?
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.
Is an Amtrak Guest Rewards credit card worth it?
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..
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.
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.
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.
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 |
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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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.
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