{"card":{"slug":"amtrak-guest-rewards-card","name":"Amtrak Guest Rewards Mastercard","issuer":"fnbo","currency":"Amtrak Guest Rewards Points"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.card.fnbo.com/amtrakguestrewards","history":[{"date":"2023-09","bonus":12000,"spend":1000,"months":3,"note":"Post-refresh standard offer"},{"date":"2026-06","bonus":12000,"spend":1000,"months":3},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":20000,"spend":1000,"months":3,"note":"Limited-time offer, apply by 11/4/2026: 15,000 points after $1,000 in purchases plus 5,000 points for adding an authorized user, both within the first 3 billing cycles","sourceUrl":"https://www.amtrak.com/Apply","sourceLabel":"Amtrak Guest Rewards credit card application page"}],"verificationEvents":[{"id":"ea8f0e6d-e3c5-4985-a3c6-1824c3c96f9d","entityType":"card","slug":"amtrak-guest-rewards-card","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:09.305Z","sourceUrl":"https://www.amtrak.com/Apply","sourceLabel":"Amtrak Guest Rewards credit card application page","outcome":"changed","summary":"Offer now 15,000 points after $1,000 plus 5,000 for an authorized user (apply by 11/4/2026); the FNBO Summary of Credit Terms shows no foreign transaction fee.","changedFields":["bonus","foreignTransactionFee"],"facts":{"bonus":20000,"spend":1000,"months":3,"annualFee":0,"foreignTransactionFee":0,"offerEnds":"2026-11-04"},"previousHash":"9ec051ab9b53023f0219a3c57f5a00545b30ab9c237782b6995a4e2928c8ebae","recordHash":"fcf473e57459697ec805158b60b644b1ef79cf47e2f86321c2929d7e0514c71a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}