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New Offers for Amtrak Cards, Get Up to 40,000 Bonus Points

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New Offers for Amtrak Cards

New Offers for Amtrak Cards

First National Bank of Omaha (FNBO) was chosen as the new issuer of the two Amtrak credit cards last year, taking over from Bank of America.  The new cards have some minor changes and a small annual fee increase.

At launch we saw welcome offers of up to 30,000. But now FNBO has launched limited time offers for the first time. The Amtrak Guest Rewards Mastercard has a 20,000 points bonus, up from 12,000. But today we are focusing on the Amtrak Guest Rewards Preferred Mastercard that now has an offer for 40,000 points. These points are quite valuable, so the bonus can be worth up to $1,000. Let’s see the details.

The Offer

  • Earn 40,000 bonus points after making at least $1,000 in purchases within the first 3 billing cycles of account opening.
  • Annual Fee: $99

Card Highlights

  • Earn 3 points per $1 spent on Amtrak travel purchases, and 2 points on dining and travel, including transit and rideshare
  • Round-trip companion coupon upon account opening and card anniversary
  • One-class upgrade upon account opening and card anniversary
  • Station lounge pass upon account opening and card anniversary
  • 20% rebate on Amtrak onboard food and beverage purchases in the form of a statement credit
  • 5% point rebate when you book Amtrak reward travel
  • Earn tier status faster with 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases


If you use Amtrak often, then this can be a great welcome bonus. Amtrak Guest Rewards points are valued between 2 and 3 cents each, so this bonus can easily be worth about $1,000.

The spending requirement is also low compared to most credit card bonuses. You just need to spend $1,000 within the first three billing cycles.

Let us know in the comments if you plan to apply, or how much you value the Amtrak Guest Rewards program.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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.


  1. The best offer they ever had was 2 plus years ago for 50,000 points. Recently it’s been 20,000 since the new bank took over. I advised my Amtrak friends to hold off getting the ‘new’ card because it was a bad deal. Most didn’t heed this advice.

    40k in my book is a green light to get the card. The benefits mentioned above are serious assets to people like us.


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