Here you can add a description about your company or product
© Copyright 2026 CardRewards. All Rights Reserved.
$99 Annual Fee Offset by $500+ in Amtrak Perks and Upgrades
Earn 3X points on Amtrak travel, 2X points on dining, travel, transit and rideshare, plus receive a valuable annual companion coupon, first-class upgrade certificate, station lounge pass, and 20% food rebate on trains. Earn 1,000 Tier Qualifying Points per $5,000 spent to accelerate Amtrak elite status. Points never expire and redeem for trains, hotels, and car rentals.
$99
Annual Fee
20,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Amtrak Guest Rewards
Credit Required
Excellent
20,000
points
$1,000
Spend Required
3 months
Time Period
Welcome bonus worth $500-540 in Amtrak travel value when redeemed for point redemptions. Elevated 40,000 point offers periodically available. Meet the $1,000 spend requirement on everyday purchases including Amtrak tickets, dining, travel, transit, and rideshare, then redeem for trains, hotels, car rentals, or partner experiences.
3X
3 points per $1 spent on Amtrak travel, including onboard purchases
2X
2 points per $1 spent on dining
2X
2 points per $1 spent on rideshare
2X
2 points per $1 spent on transit
2X
2 points per $1 spent on travel
Earn 3X points on every dollar spent booking Amtrak train tickets, including onboard food and beverage purchases with your card. Points accumulate quickly on longer journeys, premium routes, and frequent trips. Combined with the 20% food rebate, regular riders see immediate value.
Take a $400 Northeast Regional round trip: earn 1,200 points (worth $30-32). Spend $60 on onboard meals: earn 180 points plus 20% rebate ($12). Total benefit: $42-44 on a single trip.
Earn 2X points at restaurants globally - from fine dining to quick service. No category activation required, no spending caps. Earn on all dining purchases whether taking the train or not, building points for future Amtrak travel.
Spend $300 monthly dining: earn 600 points per month (7,200 annually), worth $180-190 toward Amtrak travel or hotel stays.
Earn 2X points on flights, hotels, car rentals, parking, tolls, trains (including Amtrak), buses, and taxis. Covers the full spectrum of travel expenses, making this card ideal for multi-modal trips combining train travel with flights and accommodations.
Book $500 flights + $200 hotel stay + $100 Amtrak train + $50 rideshare on same trip: earn 1,700 points (2X on $850 total travel), worth $42-50 toward future Amtrak travel or upgrades.
Earn 2X points on Uber, Lyft, and other rideshare platforms. Particularly valuable for ground transportation to and from train stations. No enrollment required - automatically earns 2X on every rideshare purchase.
Take $50/month in rideshare to/from stations: earn 100 points monthly (1,200 annually), worth $30-32 toward Amtrak tickets or onboard purchases.
Earn 1X point per dollar on all other purchases not in bonus categories. No spending caps, no deactivation - earn points consistently across your entire wallet of spending.
Spend $10,000 annually outside bonus categories: earn 10,000 base points, worth $250-270 toward Amtrak travel.
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.5/5 | ||
| Upgraded Points | 4/5 |
The Amtrak Guest Rewards Preferred is the best choice for frequent train riders who can utilize the annual companion coupon and upgrade certificate. The $99 annual fee quickly pays for itself through these benefits alone, while the 3X earning rate on Amtrak travel and 20% food rebate provide ongoing value for regular Amtrak passengers. Tier Qualifying Point acceleration makes this the preferred choice for riders aiming for elite status.
Details & Terms
| Foreign Transaction Fee | $0 |
Amtrak Guest Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amtrak Guest Rewards | entry | — |
Media & Resources
$99 Annual Fee Offset by $500+ in Amtrak Perks and Upgrades
Earn 3X points on Amtrak travel, 2X points on dining, travel, transit and rideshare, plus receive a valuable annual companion coupon, first-class upgrade certificate, station lounge pass, and 20% food rebate on trains. Earn 1,000 Tier Qualifying Points per $5,000 spent to accelerate Amtrak elite status. Points never expire and redeem for trains, hotels, and car rentals.
$99
Annual Fee
20,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Amtrak Guest Rewards
Credit Required
Excellent
20,000
points
$1,000
Spend Required
3 months
Time Period
Welcome bonus worth $500-540 in Amtrak travel value when redeemed for point redemptions. Elevated 40,000 point offers periodically available. Meet the $1,000 spend requirement on everyday purchases including Amtrak tickets, dining, travel, transit, and rideshare, then redeem for trains, hotels, car rentals, or partner experiences.
3X
3 points per $1 spent on Amtrak travel, including onboard purchases
2X
2 points per $1 spent on dining
2X
2 points per $1 spent on rideshare
2X
2 points per $1 spent on transit
2X
2 points per $1 spent on travel
Earn 3X points on every dollar spent booking Amtrak train tickets, including onboard food and beverage purchases with your card. Points accumulate quickly on longer journeys, premium routes, and frequent trips. Combined with the 20% food rebate, regular riders see immediate value.
Take a $400 Northeast Regional round trip: earn 1,200 points (worth $30-32). Spend $60 on onboard meals: earn 180 points plus 20% rebate ($12). Total benefit: $42-44 on a single trip.
Earn 2X points at restaurants globally - from fine dining to quick service. No category activation required, no spending caps. Earn on all dining purchases whether taking the train or not, building points for future Amtrak travel.
Spend $300 monthly dining: earn 600 points per month (7,200 annually), worth $180-190 toward Amtrak travel or hotel stays.
Earn 2X points on flights, hotels, car rentals, parking, tolls, trains (including Amtrak), buses, and taxis. Covers the full spectrum of travel expenses, making this card ideal for multi-modal trips combining train travel with flights and accommodations.
Book $500 flights + $200 hotel stay + $100 Amtrak train + $50 rideshare on same trip: earn 1,700 points (2X on $850 total travel), worth $42-50 toward future Amtrak travel or upgrades.
Earn 2X points on Uber, Lyft, and other rideshare platforms. Particularly valuable for ground transportation to and from train stations. No enrollment required - automatically earns 2X on every rideshare purchase.
Take $50/month in rideshare to/from stations: earn 100 points monthly (1,200 annually), worth $30-32 toward Amtrak tickets or onboard purchases.
Earn 1X point per dollar on all other purchases not in bonus categories. No spending caps, no deactivation - earn points consistently across your entire wallet of spending.
Spend $10,000 annually outside bonus categories: earn 10,000 base points, worth $250-270 toward Amtrak travel.
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.5/5 | ||
| Upgraded Points | 4/5 |
The Amtrak Guest Rewards Preferred is the best choice for frequent train riders who can utilize the annual companion coupon and upgrade certificate. The $99 annual fee quickly pays for itself through these benefits alone, while the 3X earning rate on Amtrak travel and 20% food rebate provide ongoing value for regular Amtrak passengers. Tier Qualifying Point acceleration makes this the preferred choice for riders aiming for elite status.
Details & Terms
| Foreign Transaction Fee | $0 |
Amtrak Guest Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amtrak Guest Rewards | entry | — |
Media & Resources
$99 Annual Fee Offset by $500+ in Amtrak Perks and Upgrades
Earn 3X points on Amtrak travel, 2X points on dining, travel, transit and rideshare, plus receive a valuable annual companion coupon, first-class upgrade certificate, station lounge pass, and 20% food rebate on trains. Earn 1,000 Tier Qualifying Points per $5,000 spent to accelerate Amtrak elite status. Points never expire and redeem for trains, hotels, and car rentals.
$99
Annual Fee
20,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Amtrak Guest Rewards
Credit Required
Excellent
20,000
points
$1,000
Spend Required
3 months
Time Period
Welcome bonus worth $500-540 in Amtrak travel value when redeemed for point redemptions. Elevated 40,000 point offers periodically available. Meet the $1,000 spend requirement on everyday purchases including Amtrak tickets, dining, travel, transit, and rideshare, then redeem for trains, hotels, car rentals, or partner experiences.
3X
3 points per $1 spent on Amtrak travel, including onboard purchases
2X
2 points per $1 spent on dining
2X
2 points per $1 spent on rideshare
2X
2 points per $1 spent on transit
2X
2 points per $1 spent on travel
Earn 3X points on every dollar spent booking Amtrak train tickets, including onboard food and beverage purchases with your card. Points accumulate quickly on longer journeys, premium routes, and frequent trips. Combined with the 20% food rebate, regular riders see immediate value.
Take a $400 Northeast Regional round trip: earn 1,200 points (worth $30-32). Spend $60 on onboard meals: earn 180 points plus 20% rebate ($12). Total benefit: $42-44 on a single trip.
Earn 2X points at restaurants globally - from fine dining to quick service. No category activation required, no spending caps. Earn on all dining purchases whether taking the train or not, building points for future Amtrak travel.
Spend $300 monthly dining: earn 600 points per month (7,200 annually), worth $180-190 toward Amtrak travel or hotel stays.
Earn 2X points on flights, hotels, car rentals, parking, tolls, trains (including Amtrak), buses, and taxis. Covers the full spectrum of travel expenses, making this card ideal for multi-modal trips combining train travel with flights and accommodations.
Book $500 flights + $200 hotel stay + $100 Amtrak train + $50 rideshare on same trip: earn 1,700 points (2X on $850 total travel), worth $42-50 toward future Amtrak travel or upgrades.
Earn 2X points on Uber, Lyft, and other rideshare platforms. Particularly valuable for ground transportation to and from train stations. No enrollment required - automatically earns 2X on every rideshare purchase.
Take $50/month in rideshare to/from stations: earn 100 points monthly (1,200 annually), worth $30-32 toward Amtrak tickets or onboard purchases.
Earn 1X point per dollar on all other purchases not in bonus categories. No spending caps, no deactivation - earn points consistently across your entire wallet of spending.
Spend $10,000 annually outside bonus categories: earn 10,000 base points, worth $250-270 toward Amtrak travel.
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.5/5 | ||
| Upgraded Points | 4/5 |
The Amtrak Guest Rewards Preferred is the best choice for frequent train riders who can utilize the annual companion coupon and upgrade certificate. The $99 annual fee quickly pays for itself through these benefits alone, while the 3X earning rate on Amtrak travel and 20% food rebate provide ongoing value for regular Amtrak passengers. Tier Qualifying Point acceleration makes this the preferred choice for riders aiming for elite status.
Details & Terms
| Foreign Transaction Fee | $0 |
Amtrak Guest Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amtrak Guest Rewards | entry | — |
Media & Resources
20% back on Amtrak onboard dining
—
Annual
Get 20% back as a statement credit on all food and beverage purchases made onboard Amtrak trains.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn Amtrak elite status faster with 1,000 Tier Qualifying Points for every $5,000 spent on the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Comprehensive review of the Amtrak Guest Rewards Preferred covering the $99 annual fee, 3X earning rate on Amtrak travel, annual companion coupon value, first-class upgrade certificate, lounge pass, and 20% onboard food rebate. Complete analysis of whether the premium benefits justify the annual fee.
NerdWallet's expert review comparing Amtrak Guest Rewards entry card with the Preferred tier. Analysis of annual fees, earning rates, bonus categories, and which card is best for different types of travelers.
Official Amtrak Guest Rewards program FAQ covering frequently asked questions about earning points, redeeming awards, Tier Qualifying Points, elite status levels, and Preferred card-specific benefits.
Official Amtrak page describing all member benefits for Preferred tier cardholders including companion coupon, first-class upgrade, lounge access, food rebate, and TQP earning acceleration.
Detailed blog review of the Amtrak Guest Rewards Preferred card including analysis of the elevated 40,000 point welcome offer, annual companion coupon redemption strategies, and best-use cases for frequent riders.
Comprehensive guide to the Amtrak Guest Rewards loyalty program covering how to earn Tier Qualifying Points, achieve elite status, redemption value analysis, and strategies for maximizing the Preferred card benefits.
In-depth guide to the Amtrak Guest Rewards loyalty program including how the Preferred card accelerates elite status, explanation of Tier Qualifying Points, and strategic redemption options across Amtrak routes and transfer partners.
WalletHub's aggregated reviews and expert analysis of Amtrak credit cards including user ratings, community feedback on actual benefit usage, and real-world value delivered by the Preferred tier.
Forbes Advisor's review of Amtrak credit cards examining earning rates, annual fee value, travel perks, and which travelers should apply. Includes comparison with competitive travel rewards cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
20% back on Amtrak onboard dining
—
Annual
Get 20% back as a statement credit on all food and beverage purchases made onboard Amtrak trains.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn Amtrak elite status faster with 1,000 Tier Qualifying Points for every $5,000 spent on the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Comprehensive review of the Amtrak Guest Rewards Preferred covering the $99 annual fee, 3X earning rate on Amtrak travel, annual companion coupon value, first-class upgrade certificate, lounge pass, and 20% onboard food rebate. Complete analysis of whether the premium benefits justify the annual fee.
NerdWallet's expert review comparing Amtrak Guest Rewards entry card with the Preferred tier. Analysis of annual fees, earning rates, bonus categories, and which card is best for different types of travelers.
Official Amtrak Guest Rewards program FAQ covering frequently asked questions about earning points, redeeming awards, Tier Qualifying Points, elite status levels, and Preferred card-specific benefits.
Official Amtrak page describing all member benefits for Preferred tier cardholders including companion coupon, first-class upgrade, lounge access, food rebate, and TQP earning acceleration.
Detailed blog review of the Amtrak Guest Rewards Preferred card including analysis of the elevated 40,000 point welcome offer, annual companion coupon redemption strategies, and best-use cases for frequent riders.
Comprehensive guide to the Amtrak Guest Rewards loyalty program covering how to earn Tier Qualifying Points, achieve elite status, redemption value analysis, and strategies for maximizing the Preferred card benefits.
In-depth guide to the Amtrak Guest Rewards loyalty program including how the Preferred card accelerates elite status, explanation of Tier Qualifying Points, and strategic redemption options across Amtrak routes and transfer partners.
WalletHub's aggregated reviews and expert analysis of Amtrak credit cards including user ratings, community feedback on actual benefit usage, and real-world value delivered by the Preferred tier.
Forbes Advisor's review of Amtrak credit cards examining earning rates, annual fee value, travel perks, and which travelers should apply. Includes comparison with competitive travel rewards cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
20% back on Amtrak onboard dining
—
Annual
Get 20% back as a statement credit on all food and beverage purchases made onboard Amtrak trains.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn Amtrak elite status faster with 1,000 Tier Qualifying Points for every $5,000 spent on the card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Comprehensive review of the Amtrak Guest Rewards Preferred covering the $99 annual fee, 3X earning rate on Amtrak travel, annual companion coupon value, first-class upgrade certificate, lounge pass, and 20% onboard food rebate. Complete analysis of whether the premium benefits justify the annual fee.
NerdWallet's expert review comparing Amtrak Guest Rewards entry card with the Preferred tier. Analysis of annual fees, earning rates, bonus categories, and which card is best for different types of travelers.
Official Amtrak Guest Rewards program FAQ covering frequently asked questions about earning points, redeeming awards, Tier Qualifying Points, elite status levels, and Preferred card-specific benefits.
Official Amtrak page describing all member benefits for Preferred tier cardholders including companion coupon, first-class upgrade, lounge access, food rebate, and TQP earning acceleration.
Detailed blog review of the Amtrak Guest Rewards Preferred card including analysis of the elevated 40,000 point welcome offer, annual companion coupon redemption strategies, and best-use cases for frequent riders.
Comprehensive guide to the Amtrak Guest Rewards loyalty program covering how to earn Tier Qualifying Points, achieve elite status, redemption value analysis, and strategies for maximizing the Preferred card benefits.
In-depth guide to the Amtrak Guest Rewards loyalty program including how the Preferred card accelerates elite status, explanation of Tier Qualifying Points, and strategic redemption options across Amtrak routes and transfer partners.
WalletHub's aggregated reviews and expert analysis of Amtrak credit cards including user ratings, community feedback on actual benefit usage, and real-world value delivered by the Preferred tier.
Forbes Advisor's review of Amtrak credit cards examining earning rates, annual fee value, travel perks, and which travelers should apply. Includes comparison with competitive travel rewards cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
