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
30,000
≈$750 value
Spend Requirement
$1,500
in 3 months
Annual Fee
$99
No FTF
Credit Score
670+
(Good)
Current offer note: Limited-time offer, apply by 11/4/2026: 25,000 points after $1,500 in purchases plus 5,000 points for adding an authorized user, both within the first 3 billing cycles
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?
Strong offerThe current 30k beats this card's typical offer of 25k. The all-time high is 40k, so a bigger number has appeared before, but you are getting an above-average deal today.
Current offer
30k
All-time high
40k
Typical offer
25k
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 30,000 | $1,500 in 3 mo | Bonus increased: 20,000 → 30,000 · Spend: $1,000 → $1,500Limited-time offer, apply by 11/4/2026: 25,000 points after $1,500 in purchases plus 5,000 points for adding an authorized user, both within the first 3 billing cycles | Amtrak Guest Rewards credit card application page → |
| 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 ledger- changed
Offer now 25,000 points after $1,500 plus 5,000 for an authorized user (apply by 11/4/2026); companion coupon, upgrade and lounge pass now also arrive at account opening; 1,000 TQPs per $5,000 spend.
Fields: bonus, spend, benefits
Amtrak Guest Rewards credit card application page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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
- ✦Round-trip companion coupon at account opening and each card anniversary
- ✦One-Class Upgrade at account opening and each card anniversary
- ✦Station lounge pass at account opening and each card anniversary
- ✦1,000 Tier Qualifying Points for every $5,000 in qualifying purchases
- ✦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
- −The current offer needs $1,500 of spend plus an authorized user to reach 30,000 points
- −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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