Amtrak Guest Rewards® Mastercard® Review & Point Calculator

Amtrak Guest Rewards® Platinum Mastercard®

The Amtrak Guest Rewards Mastercard is a no-annual fee card offered by FNBO. It offers double points on Amtrak and dining purchases along with a 10% rebate on food and beverage purchases made on-board and a 5% rebate on Amtrak redemption travel.

Rewards Rates

Earn 2 points per $1 spent on purchases made with Amtrak which includes Amtrak tickets and onboard purchases.
Earn 2 points per $1 spent on dining.
Earn 1 point per $1 spent on all other purchases made to the card.

Key Cardholder Benefits

  • As an Amtrak Mastercard holder, you'll receive 5% of your redeemed points back when you book award travel on Amtrak. There's no limit to this rebate.
  • When you use your Amtrak Mastercard to make food and beverage purchases on-board Amtrak, you'll receive a 10% discount. This discount is in the form of a statement credit.

Annual Fees

The Amtrak Mastercard has a $0 annual fee.

Amtrak Points Calculator

Calculate how many Amtrak Guest Rewards Points you can earn with the Amtrak Mastercard based on spend. Results can be compared side by side any U.S. credit cards featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Earning Rate Comparison

Want to know how the Amtrak Guest Rewards Mastercard earning rates stack up against other Amtrak credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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