Is the Amtrak Guest Rewards credit card discontinued?

It appears these rumors are true, as the Amtrak Guest Rewards Mastercard is no longer available. According to Julie, the virtual assistant, "Unfortunately, we do not currently offer an Amtrak Guest Rewards credit card."



No, the Amtrak Guest Rewards credit cards are not discontinued in 2026. Following a successful transition to First Heritage Bank (FNBO) as the issuer a few years ago, Amtrak currently offers two versions: the Amtrak Guest Rewards® Preferred Mastercard® ($99 annual fee) and the Amtrak Guest Rewards® Mastercard® (no annual fee). These cards are active and offer significant benefits for rail travelers, such as 3x points on Amtrak purchases, a companion coupon, and a station lounge pass. A major advantage of holding these cards is that your Amtrak Guest Rewards points will never expire as long as your credit card account remains open, providing long-term value for frequent commuters and leisure travelers alike.

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Amtrak credit cards will no longer be issued by Bank of America (BofA). Instead, they will be issued by FNBO (First National Bank of Omaha). This isn't the first time the cards have changed issuers. A few years ago, a similar change happened when Amtrak switched from Chase to BofA.

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Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated.

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The Amtrak Guest Rewards® Preferred Mastercard®* is a better option for frequent Amtrak travelers. The card offers a larger welcome bonus offer and higher reward rates. You can earn 20,000 bonus points after making at least $1,000 in purchases within the first 3 billing cycles of account opening.

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In fiscal year 2022, Amtrak served 22.9 million passengers. That figure was down ten million from 2019 when 33 million people rode Amtrak, a 30% decline.

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Future cars In 2022, Amtrak announced that they would be replacing all of their current Superliner, Amfleet, and Viewliner I passenger cars by 2032. Amtrak issued a request for information from ten manufacturers in December 2022, with a request for proposals planned for 2023.

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Total Operating Revenue1: $2.8 billion, increased 47.8% over FY21, and only 15% below Amtrak's FY19 pre-pandemic revenue levels. Adjusted Operating Earnings2: ($884.9 million), an 18.2% improvement over FY21, and $145 million ahead of Amtrak's FY22 plan due to strong ticket-revenue growth.

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YOUR ROUTE TO REWARD TRAVEL Redeeming your points is easy and exciting—with reward travel starting at just 400 points to over 500 destinations. Ready to ride?

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The $99-annual-fee Amtrak credit card features a limited-time welcome offer: Earn 40,000 bonus points after you spend $1,000 in the first three billing cycles (as of March 2023).

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As far as travel rewards points go, this is pretty exceptional value for those who enjoy taking Amtrak trains. Depending on how you choose to redeem your points, the 50,000-point welcome bonus would be worth between $1,100 and $1,400 in Amtrak tickets!

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Amtrak points are worth more than most other reward currencies, with each point worth about 2.9c toward most train fares (or 2.56 on Acela fares). That means that the 40K offer on the Amtrak Rewards Preferred card will buy you well over $1,000 in train tickets (nearly $1200 on non-Acela service!).

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If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

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As an Amtrak Guest Rewards member, you can share your points with someone else.

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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®*.

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