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
20,000
≈$500 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$99
No FTF
Credit Score
670+
(Good)
Current offer note: Standard offer; periodically elevated to 40,000
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 40k before; the current 20k is right at its typical 20k. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
20k
All-time high
40k
Typical offer
20k
In place since
June 2026
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 3xAmtrak travel and onboard purchases
- 2xQualifying travel, dining, transit and rideshare
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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