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FNBO · Mastercard · PERSONAL

Amtrak Guest Rewards

11 tracked perks. Here's everything this card actually offers — structured and kept current.

11
Perks tracked
$0
Est. value / yr
$0
Annual fee
FNBO
Amtrak Guest Rewards
no annual fee

Travel

8

30% bonus on redeemed points

When redeeming Amtrak Guest Rewards points for travel, cardholders receive a 30% point bonus applied to the redeemed amount, effectively stretching the value of each redemption.

Travel statement credits

Amtrak Guest Rewards Select status

New cardholders are granted Amtrak Guest Rewards Select elite status, which includes benefits such as bonus points on Amtrak purchases and early boarding privileges.

Travel statement credits

checked bag fee credit / first bag free

Cardholders may receive a credit or waiver for checked baggage fees on Amtrak trips, allowing one checked bag at no additional cost.

Travel statement credits

companion coupon (annual)

Cardholders receive an annual companion coupon allowing one companion to travel at a discounted or free fare when the primary cardholder purchases a qualifying Amtrak ticket.

Travel statement credits

station lounge access (Select Executive Lounges)

Eligible cardholders (typically World or Preferred tier) receive complimentary access to Amtrak's Metropolitan Lounge or Select Executive Lounges when traveling in a qualifying class of service or as a card benefit.

Travel statement credits

travel accident insurance

The card provides travel accident insurance covering accidental death or dismemberment when the cardholder purchases common-carrier tickets with the card.

Travel insurance & protection

trip delay / cancellation protection

Cardholders may be reimbursed for certain non-refundable expenses if a covered trip is delayed or cancelled for qualifying reasons when the ticket was purchased with the card.

Travel insurance & protection

upgrade vouchers (annual)

Cardholders receive one or more annual upgrade vouchers allowing an upgrade from Coach to Business class or Business to First class on eligible Amtrak routes.

Travel statement credits

Shopping & Purchases

2

extended warranty protection

The card extends the original manufacturer's warranty by up to one additional year on eligible purchases made with the card.

Extended warranty

purchase protection

Eligible purchases made with the card are protected against theft or accidental damage for a limited period after purchase, up to a per-claim and annual maximum.

Purchase protection

Card Terms & Fees

1

No Annual Fee

No Annual Fee

Annual fee

Coverage limits, reset cadence, eligibility & sources

The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.

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