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Non-Affiliate Offer

Amtrak Guest Rewards® Preferred Mastercard®

Earns Amtrak Guest Rewards Counts Toward 5/24
Welcome Offer
20,000 Bonus Points (Standard) / 40,000 (Elevated)

Standard offer: Earn 20,000 bonus Amtrak Guest Rewards points after spending $1,000 in the first 3 billing cycles of account opening. Limited-time elevated offer (returns 2-3x per year): Earn 40,000 bonus points after spending $2,000 in the first 3 billing cycles. Worth ~$500 (standard) or ~$1,000 (elevated) in Amtrak travel at the lowest 400-point redemption rate.

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

Tap any benefit to see details.

Round-Trip Companion Coupon Annually + at Account Opening (~$300 Value)
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 — this alone could offset the card's $99 annual fee. 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. Significant for frequent Amtrak users — can add up over many trips.
5% Point Rebate When Redeeming for Amtrak Reward Travel
You earn a 5% points rebate when you redeem points for Amtrak travel — redeem 100 points for an Amtrak ticket and you can expect to get 5 points back. This effectively makes Amtrak redemptions slightly cheaper.
1,000 Tier Qualifying Points (TQPs) Per $5,000 Spent
Earn 1,000 TQPs each time you spend $5,000 in qualifying purchases — path to Amtrak Guest Rewards elite status. Significant for frequent travelers + high spenders.
Amtrak Guest Rewards Points Never Expire (Account Open)
No 'use it or lose it' deadline for points.
Amtrak's Lowest Redemption Threshold = 400 Points (Easy to Use)
Means even a small number of points can be redeemed for a short trip. Effective redemption value at 400 points is approximately $10 (2.5 cpp Amtrak value at minimum).
Mastercard Standard Benefits Suite
Standard Mastercard benefits including Zero Liability protection, Mastercard ID Theft Protection (depending on tier), and Mastercard cardholder benefits. Lower tier than World Elite Mastercard.
Counts Toward Chase 5/24 (FNBO Consumer Card Opening)
As a FNBO consumer card opening, this card DOES count toward Chase's 5/24 rule (5 personal cards opened in past 24 months). Plan timing if you're trying to stay under 5/24 for a Chase card application.
Sister Card: Amtrak Guest Rewards Mastercard ($0 AF) — Downgrade Option
There's a sister card with NO annual fee — Amtrak Guest Rewards Mastercard. Earns 2x on Amtrak + dining, 1x else, 12K welcome offer, 10% F&B rebate. No companion coupon / upgrade / lounge pass. Useful as a downgrade option after the welcome year if you don't want to pay $99 AF but want to keep credit history.

Offer History

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

View History Hide
Offer Spend Req. Date
20,000 Bonus PointsCurrent $1,000 in 3 billing cycles Current public standard offer (May 2026)
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

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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