Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Amtrak Guest Rewards Mastercard vs Amtrak Guest Rewards Preferred Mastercard

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Amtrak Guest Rewards Mastercard card art
Amtrak Guest Rewards
Amtrak Guest Rewards Mastercard
FNBO
More Info
Amtrak Guest Rewards Preferred Mastercard card art
Amtrak Guest Rewards
Amtrak Guest Rewards Preferred Mastercard
FNBO
More Info
Annual Fee
No annual fee
$99/yr
Foreign Fees
None
None
Signup Bonus
12,000 points
Spend $1,000 in 3 months
20,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • Amtrak 2x
  • Dining 2x
  • Amtrak 3x
  • Dining 2x
  • Travel 2x
Reward Type
miles
miles
Pts Value
~2.60¢/pt points · industry est.
~2.60¢/pt points · industry est.
Key Credits
None
None
Transfer Partners
No transfer partners
No transfer partners
Open full comparison tool Compare more cards

Common Questions: Amtrak Guest Rewards Mastercard vs Amtrak Guest Rewards Preferred Mastercard

Is the Amtrak Guest Rewards Mastercard or Amtrak Guest Rewards Preferred Mastercard better for dining?

Amtrak Guest Rewards Mastercard earns 2x on dining; Amtrak Guest Rewards Preferred Mastercard earns 2x on dining. Amtrak Guest Rewards Mastercard wins for dining.

Which has the higher signup bonus in 2026?

Amtrak Guest Rewards Mastercard currently offers 12,000 pts signup bonus (spend $1,000 in 3 months). Amtrak Guest Rewards Preferred Mastercard offers 20,000 pts signup bonus (spend $1,000 in 3 months). Amtrak Guest Rewards Preferred Mastercard has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Amtrak Guest Rewards Mastercard and the Amtrak Guest Rewards Preferred Mastercard?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from FNBO, so check their specific application rules.