Amtrak Guest Rewards Preferred Mastercard
By Alex Compton · Last verified
The only premium rail card in America, and the perks actually clear the fee.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 20,000 | $1,000 in 3 mo | Bonus decreased: 40,000 → 20,000 · Spend: $2,000 → $1,000 | Archive record · no attached snapshot |
| 2025-10 | 40,000 | $2,000 in 3 mo | Bonus increased: 20,000 → 40,000 · Spend: $1,000 → $2,000Elevated offer through December 2025 | Archive record · no attached snapshot |
| 2023-09 | 20,000 | $1,000 in 3 mo | Earliest recordPost-refresh standard offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xAmtrak travel and onboard purchases
- 2xQualifying travel, dining, transit and rideshare
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Companion coupon each account anniversary
- ✦One-Class Upgrade certificate each year
- ✦Annual single-day station lounge pass
- ✦5% points rebate on Amtrak redemptions
- ✦20% back on onboard food and beverage as a statement credit
Why it earns its spot
- +Amtrak points are reliably worth about 2.5 cents toward fares
- +Companion coupon plus upgrade can cover the fee on one trip
- +2x covers a broad travel and dining bucket
Where it costs you
- −Standard 20,000-point offer is small; wait for the 40,000 promo
- −Worthless if you do not ride Amtrak
The Compound Verdict
Pound for pound one of the highest-value niche cobrands because the currency itself punches above its weight. A Northeast Regional commuter or an annual long-haul roomette traveler gets the fee back from the companion coupon alone. Everyone else should not bother.
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