50,000 Points
Worth $500
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 20%Best Western
- 2%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
First National Bank
Amtrak Guest Rewards® Preferred Mastercard®
This card is built for regular Amtrak riders who want to earn more on train travel and keep their points in the Amtrak ecosystem. It works best as a specialist travel card, not as your main card for everyday spending.
Welcome Offer
20,000 Points
Annual Fee
$99
Rec. Credit Score
Excellent
Good For
Frequent Amtrak riders
All information about Amtrak Guest Rewards® Preferred Mastercard® has been collected independently by MaxRewards. Amtrak Guest Rewards® Preferred Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Amtrak Guest Rewards® Preferred Mastercard® worth it?
This card is great for...
Amtrak train purchases
Northeast Corridor travel
Dining and trip spending
The Amtrak Guest Rewards Preferred Mastercard is worth a look if you ride Amtrak often enough to earn and use points consistently. The $99 annual fee makes the most sense for cardholders who book paid Amtrak trips several times a year and want stronger returns on those purchases than a general travel card would offer. The welcome bonus is also fairly easy to earn, and Amtrak points can be useful when you already know you will redeem for future rail travel.
For most other readers, this is a niche card. Outside of Amtrak, the rewards structure is decent but not hard to beat, and the included benefits are mostly standard Mastercard partner offers rather than fee-justifying perks. If trains are a meaningful part of how you travel, this card can fit well. If not, a broader travel or cash-back card will usually be the better long-term choice.
MaxRewards Verdict
A good fit for loyal Amtrak customers who want to earn more on rail travel and redeem points regularly. If Amtrak is only an occasional option for you, the $99 annual fee is harder to justify.
Welcome Offer
20,000 Points
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card earns Amtrak Guest Rewards points, so the value is strongest when you plan to redeem for Amtrak trips. The key question here is simple: how much of your travel spending actually goes to Amtrak, versus more general travel and everyday purchases.
CategoryRate
Amtrak
3%
Dining
2%
Travel
2%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per Amtrak point
Annual Credits & Perks
Benefits
The benefits side is lighter than the rewards side. Most of the extras are Mastercard merchant offers, so the practical value depends on whether you already use those services rather than on built-in travel perks.
BenefitAnnual value
$20
Enrollment is required for select benefits.
Automatically track your credits with MaxRewards
Our app automatically tracks valuable credits so you don't miss any rewards.
ResortPassAutotracked
Benefits
Status & Access
ShopRunner
Free 2-day shipping and free returns on your favorite brands. Offer ends 9/30/25.
Benefits
Other
MoviePass
Blockbuster savings on the big screen. Get 50% off your first two months of a new Standard or Premium MoviePass plan. Offer expires 1/31/2026.
Booking.com
Save up to 7% on prepaid stays with Booking.com across 28 million accommodation options at booking.com/mastercardUS. Bookings must be prepaid and made through booking.com/mastercardUS. Valid through 9/30/25.
Lyft
Take 3 rides and get a $5 lift credit every month with your Mastercard. Promotion valid through 1/31/26.
Instacart
Groceries and more delivered in as fast as an hour. Get two months of free delivery with Instacart+ and $10 off your second order each month. Offer ends 1/31/2027.
Peacock
Get $3 off Peacock Premium each month when you use your World Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2025.
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$99
Purchase APR
13.99% - 23.99%
Variable
Transfer APR
13.99% - 23.99%
Variable
Cash Advance APR
28.99%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from First National Bank
See all 19 cards
25,000 Points
Worth $250
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
$200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 2%Everywhere
Annual Fee
$0
Rec. Credit
Good