[Expired] FNBO Amtrak Credit Card 40,000 Points Signup Bonus

Deal has ended, view more credit card deals by clicking here.

Update 8/19/24: Deal is back until  Sep 25th. Hat tip to reader David

The Offer

Direct Link to offer

  • FNBO Amtrak Amtrak Guest Rewards Preferred card is offering a signup bonus of 40,000 points when you spend $2,000 within the first three billing cycles.
  • The no-fee card also bumped the bonus to 12,000.

Card Details

  • Annual fee of $99 is not waived
  • Complimentary Companion Coupon, One-Class Upgrade and a single-day
  • 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

Nice bonus for Amtrak users. The card launched with FNBO last October with a 30,000 bonus, and this is a nice bump to 40,000. There’s some speculation that dummy bookings – which historically have been throwing in $100 – will show 40,000 + $100 soon. Dumming booking has never shown another $100 statement credit so not worth waiting if interested.

Post history:

  • Update 4/2/24: According to our contact at Amtrak, this deal will end tomorrow.
  • Originally posted 3/15/23. Reposting 2/19/24 as this deal is back (Minor details have been updated below – spend is $2,000 this time instead of $1,000 last time, and no-fee card bonus is 12,000 instead of 20,000 last time.)

View Comments (186)

  • @6 This is up to 35k points, not sure if there's any way to get a statement credit with a dummy booking

  • how often does this go up to 40k points? trying to plan something for july '25 and wondering if it'll pan out...

  • Got the 40k bonus! The points showed up after the first statement. Great card, I recommend it for anybody interested in Amtrak travel. Deal ends 9/25/2024!

  • So they announced that this would last until September 25 and ended it by August 19?

  • If I want to cancel this card after year one, does anyone know when to do it? Before the 2nd $99 fee posts or after? Thanks

    • I cancelled after the 2nd $99 fee appeared on my account. Waited a week to cancel and no claw backs.

    • I'd say after. But I read somewhere, maybe Reddit, that the poster had issues getting his $99 back as he had an outstanding balance. I don't know if I believe it, but there are not many DP for FNBO. I'll make sure I have a $0 balance when I cancel next spring.

  • Approved with an $8400 credit limit! They haven't sent me an email yet and the address should be right because I had to use an email code during sign-up. Hopefully they didn't sent it to the wrong email. Yay! 40k points!

    • Thank you for the heads up on this awesome deal. The website is still showing 20K but the email says 40k. Which one is right? I will be willing to take a HP. for 40K points but not sure about 20K. Cheers!

  • Protip for the future meyybe? If denied, try again.
    I app'd P2, they asked him to send in a bunch of docs within 30 days. I forgot, whoops!
    App'd again couple days before offer died, instant approval w/$10k line.
    He's 4/24 fwiw.