Amtrak Guest Rewards Preferred Mastercard: Best for Amtrak loyalists. If you frequently use Amtrak, you're going to want to consider the Amtrak Guest Rewards® Preferred Mastercard®*.

Yes, Amtrak maintains a long-standing partnership with First National Bank of Omaha (FNBO) to offer dedicated co-branded credit cards. As of 2026, the primary options are the Amtrak Guest Rewards Preferred Mastercard and the Amtrak Guest Rewards Mastercard. The Preferred version typically comes with a higher annual fee but offers significant perks such as 3x points on Amtrak travel, a round-trip companion coupon, a one-class upgrade, and a station lounge pass. The no-annual-fee version provides a lower earning rate (2x points on travel) but still allows you to earn Amtrak Guest Rewards points on everyday purchases like dining and groceries. These points can be redeemed for Amtrak tickets, which often provide better value than cash back. While you can also transfer points from certain flexible rewards programs like Bilt Rewards to Amtrak, the FNBO cards remain the only direct "co-branded" credit card partnership available in the U.S. market.