# Amtrak Guest Rewards® Preferred Mastercard®

> Earn up to 3x at Amtrak and 2x on dining. $99 annual fee.

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## At a glance

- Issuer: First National Bank of Omaha
- Network: Mastercard
- Annual fee: $99
- Rewards program: Amtrak Guest Rewards
- Welcome offer: 20,000 bonus points after you spend $1,000 in the first 3 billing cycles after account opening (offer on amtrak.com/Apply; offers may vary elsewhere).

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Amtrak travel |  |
| 2x | Dining |  |
| 2x | Travel |  |
| 2x | Transit |  |
| 1x | All other purchases | Base earn rate |

## Featured benefits

- **Station Lounge Pass** (Annual station lounge pass): One Amtrak station lounge pass upon account opening and each card anniversary; present the digital pass with a valid same-day Amtrak ticket at participating Metropolitan and station lounges.

## Other benefits

- **Onboard food & beverage rebate**: 20% back as a statement credit on eligible onboard food and beverage purchases on Amtrak trains.
- **Round-trip companion coupon**: One each upon account opening and each card anniversary (terms in your offer and Amtrak Guest Rewards materials).
- **One-class upgrade**: One each upon account opening and each card anniversary.
- **Points expiration**: Points do not expire as long as your Amtrak Guest Rewards credit card account remains open.
- **Redemption rebate**: 5% of redeemed points rebated when you redeem for Amtrak reward travel.
- **No foreign transaction fees**: On purchases outside the United States when you use the card (see Summary of Credit Terms for fees that may still apply).
- **Tier status accelerator**: Earn 1,000 TQPs (Tier Qualifying Points) for every $5,000 in qualifying purchases on the card.
- **Earn rule**: 2x earn category covers dining, travel, transit, and rideshare. Rideshare is included via the transit category alias (not modeled as a distinct structured category).


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CardStack shows you which card to use for each purchase and tracks the points your Amtrak Guest Rewards Preferred Mastercard earns, so nothing you earn slips away. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863