FNBO Amtrak Credit Card 30,000 Points Signup Bonus + 2x Coupons

The Offer

Direct Link to offer

  • FNBO Amtrak Amtrak Guest Rewards Preferred card is offering a signup bonus of 30,000 points when you spend $1,000 within the first three billing cycles.
  • You also get 2x coupons:
    • 2 round-trip companion coupons
    • 2 one-class upgrades
    • 2 station lounge passes

Card Details

  • Annual fee of $99 is not waived
  • ClubAcela pass for access to ClubAcela, Amtrak Metropolitan Lounge or First class
  • Card earns at the following rates:
    • 3 points per $1 spent with Amtrak
    • 2 points per $1 spent on all other qualifying travel and dining purchases
    • 1 point per $1 spent on all other purchases
      No foreign transaction fees
  • 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption

Our Verdict

Previously the bonus was 40k points +1 x coupons. This might be a better deal for those that can use the coupons. Might be worth waiting to see if a dummy booking comes along with an additional $100 statement credit but I don’t think we have seen that since FNBO became the card issuer.
    William Charles
  • On June 16, 2023, 10:00
Tags: amtrakbigcredit card bonusesfnbofnbo tram

View Comments (22)

  • Has anyone tried to churn this card since they relaunched Amtrak with FNBO?

    One time with BoA a few years ago I opened two of the same card within a year—I’m trying to understand if anyone else has tried this yet with the new bank.

  • Be aware this bank. They will lower your CL to 10% of the original without any notice. I had one card with them. My util-ratio was 1%, perfect payment history, no baddies, credit score ~800. I started to use that card more often, you know what, they CLD me because I used it more.

    They don't trust customers.

    • right on target.one of the worst banks in US indeed. wasting time in lending business instead they should be in food industry . i have this card with 21k limit and i know it would go down to 2k anytime and for no reason ..transferred from bank of America

    • They do have issues, quote you one credit limit using prescreen tool, give you way less after applying (you know they see the same thing between a soft and hard pull fyi). If you every actually use the promo offer of 0% they will freak out and start lowering your credit line, even if you make min. on time payments. It's quite bizarre. If I get a 0% promo card, I'm going to use that card for a planned big purchase and take my sweet time paying it. They don't seem to like that.

  • Got similar email from Barclay's with same offer for Amtrack card. Can one get both cards?

  • I saw a 20k + $100 credit for the Preferred card while booking a trip. So the $100 credit does exist, but not combined with this offer.

  • https://imgur.com/a/krSNyaN

    Got an email from fnbo

    “ As a valued Amtrak Guest Rewards® Preferred Mastercard® cardholder, we're rewarding you with a $50 statement credit after you spend $500 on all purchases from July 15, 2023 through August 15, 2023†. That's 10% cashback!

    Activate† this offer through the button below by June 26, 2023 to receive this statement credit opportunity.”

    @will

  • It's not stated in the terms: are the companion coupons basically a "buy 1, get 1 free" coupon? If so, do they have expiration dates?

    • I think they're usually 1 year, and only apply to cash purchases, not points, and not rooms.

      • companion coupon can apply to rooms too. but class upgrade coupon can not apply to rooms.

Leave a Comment