Advertiser Disclosure: Katie's Travel Tricks has partnered with CardRatings for our coverage of credit card products. Katie's Travel Tricks and CardRatings may receive a commission from card issuers. Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author's alone.
Non-Affiliate Offer

Amtrak Guest Rewards® Preferred Mastercard®

Earns Amtrak Guest Rewards Counts Toward 5/24
Welcome Offer
Up to 30,000 bonus points

Earn 25,000 points after spending $1,500, plus 5,000 points after adding an authorized user, all within the first 3 billing cycles of account opening. Apply by 11/4/26.

How to Earn Rewards
3x Amtrak Guest Rewards points per $1 spent on Amtrak travel, including onboard purchases
2x Amtrak Guest Rewards points per $1 spent on dining, travel (general), transit, and rideshare
1x Amtrak Guest Rewards point per $1 spent on all other purchases
Key Benefits

Terms Apply

Tap any benefit to see details.

Round-Trip Companion Coupon Annually + at Account Opening
Receive a round-trip companion coupon at account opening and each cardmember anniversary, with a value of up to $300 when redeemed for Amtrak travel. Blackout dates apply. It allows a companion to ride Amtrak with you for free on a round-trip booking.
One-Class Upgrade Coupon Annually + at Account Opening
Receive a one-class upgrade coupon at account opening AND each cardmember anniversary. Upgrade your seat to the next class (e.g., Coach to Business, or Business to First) on a paid Amtrak ticket.
Station Lounge Pass Annually + at Account Opening
Receive a station lounge pass at account opening AND each cardmember anniversary. Access to Amtrak's Metropolitan Lounges in select stations (NYC Penn, DC Union, Chicago Union, Philadelphia 30th Street, Boston South, Portland Union, etc.).
20% Rebate on Amtrak Onboard Food & Beverage Purchases
Receive a 20% statement credit rebate on Amtrak onboard food and beverage purchases when paid with this card.

Benefits Calculator

What's the Amtrak Guest Rewards® Preferred Mastercard® worth to you? Get a personalized estimate.

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Amtrak Guest Rewards® Preferred Mastercard® Benefits Calculator

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

Receive a round-trip companion coupon at account opening and each cardmember anniversary, with a value of up to $300 when redeemed for Amtrak travel. Blackout dates apply. It allows a companion to ride Amtrak with you for free on a round-trip booking.
$

Your Total Annual Value

$0

Annual Fee: $99

Your Net Value / Cost

$0

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
35,000 Bonus PointsElevated Standard spend Past elevated (October 2024)
40,000 Bonus PointsElevated $2,000 in 3 billing cycles Limited-time elevated offer (returns 2-3x per year); past instances: April 2025, Summer 2025, ended August 2025 and December 2025
20,000 Bonus Points $1,000 in 3 billing cycles Standard

Advertiser Disclosure

Advertiser Disclosure katiestraveltricks.com has partnered with CardRatings for our coverage of credit card products. katiestraveltricks.com and CardRatings may receive a commission from our partners. American Express is a katiestraveltricks.com advertiser. We may earn compensation when you click on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial Disclosure Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This content has not been provided or commissioned by any bank advertiser.

User Generated Content (UGC) Disclosure Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Points for normal people.

Advertiser and Editorial Disclosure
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