MastercardAmtrak Guest Rewards Preferred Mastercard
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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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