FNBO Amtrak Credit Cards Now Live

The FNBO Amtrak credit cards are now live after the portfolio was moved from Bank of America. Two cards are available. Cards look the same as the Bank of America versions, but with an increased annual fee of $99 on the Preferred card:

  • Amtrak Guest Rewards Preferred Mastercard.
    • 30,000 point sign up bonus after $1,000 in spend within the first three billing cycles
    • 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 LoungeSM 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
  • Amtrak Guest Rewards Mastercard.
    • 12,000 point sign up bonus after $1,000 in spend within the first three billing cycles
    • No annual fee
    • 10% rebate on onboard food & beverage purchases
    • Card earns at the following rates:
      • 2x points on Amtrak and dining purchases
    • 1x points on all other purchases
      Complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class
    • 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption

View Comments (29)

  • What value would you put on 40k points? e.g. if one were to use on the NY-DC route and nothing fancy
    thanks

  • I got an email today that annual fee card is 40k points through 4/23. The link in the email leads straight to the application form that asks for my membership number. Maybe targeted to current members?

  • I had the Amtrak 79$ annual fee card through BofA, and after the switch to FNBO, I tried calling them to downgrade to the no fee card, but the agent on the phone said that they cannot downgrade and I would have to cancel the card instead. This just smells like bullshit, because I'd never heard of a bank refusing to downgrade a credit card when a no fee option is available. Anyone else tried doing this and had the same experience?

    • I had the same problem. My fee hit just before the transfer to FNBO and BofA told me to call FNBO. When I called FNBO they told me to apply for the no annual fee card if I wanted a no annual fee card.

  • FYI for people who aren’t aware, you can’t use the companion coupon when you book with points.

  • I don't think the free card has this benefit: Complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class

  • Two questions here:

    1) Let's say I wanted a huge amount of Amtrak points for an across the country sleeper trip... Is there anything in the terms that I'm missing for signing up for the regular no AF card and then also signing up for the preferred card?
    2) Would having one of these cards open help towards opening other FNBO products that are geo restricted? I'm eyeing the evergreen biz 2% card.