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Amtrak points
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Amtrak purchases | 2× | — | — |
| Restaurants / Dining | 2× | — | Per FNBO comparisons — verify |
Up to 30,000 points
Amtrak Guest Rewards points
Earn up to 30,000 bonus points on the Amtrak Guest Rewards Preferred Mastercard: 25,000 after $1,500 in purchases plus 5,000 after adding an authorized user, all within the first 3 billing cycles; apply by Nov 4, 2026 (Amtrak's own page). The no-fee Amtrak Guest Rewards Mastercard runs the same structure at up to 20,000 points (15,000 + 5,000) after $1,000.
25,000 points after $1,500 in purchases + 5,000 points for adding an authorized user, within the first 3 billing cycles
Separate conditions may apply. This component is not automatically added to the estimate below.Dollar estimate unavailable: the offer is unconfirmed, has no fixed amount, has incomplete qualifying terms, has multiple stages, or lacks a usable valuation. No missing value is treated as $0.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
FNBO application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Filled in the Oct 29, 2026 pass from Amtrak's own credit-cards page (issuer). This row is the $99 Preferred version, matching its fee column.
Offer type, as listed: Limited time (apply by Nov 4, 2026)