Travel card · First National Bank of Omaha
Amtrak Guest Rewards
Amtrak Guest Rewards is Amtrak's entry card: 2 points per dollar on Amtrak travel, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | First National Bank of Omaha |
|---|---|
| Network | Mastercard |
| Type | Travel |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 2 points per dollar on Amtrak travel, and 1 point per dollar on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
2 points per dollar on Amtrak travel, and 1 point per dollar on everything else.
Who it is built for
Built for Amtrak riders who want points without an annual fee.
Current details — visit the official Amtrak Guest Rewards page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from First National Bank of Omaha
Other cards from the same issuer in this library.
- Amtrak Guest Rewards Preferred · Travel · $99 (as of 2026)
- Best Western Rewards · Hotel · No annual fee (as of 2026)
- Best Western Rewards Premium · Hotel · $89 (as of 2026)
- Scheels Visa · Retail · No annual fee (as of 2026)
More Travel cards
American Express Centurion Card
1 Membership Rewards point per dollar on most purchases, with higher rates on flights and hotels booked through American Express Travel.
American Express Green Card
3 points per dollar on travel, transit and dining, and 1 point per dollar on everything else.
American Express Preferred Rewards Gold Card (UK)
1 Membership Rewards point per pound spent, 2 points per pound on travel booked through American Express Travel, and 1 point per pound on everything else.
Amtrak Guest Rewards Preferred
3 points per dollar on Amtrak travel, 2 points per dollar on other travel and dining, and 1 point per dollar on everything else.
Frequently asked questions
What is the Amtrak Guest Rewards?
Amtrak Guest Rewards is Amtrak's entry card: 2 points per dollar on Amtrak travel, with no annual fee as of 2026.
Does the Amtrak Guest Rewards have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Amtrak Guest Rewards earn?
2 points per dollar on Amtrak travel, and 1 point per dollar on everything else.
Who issues the Amtrak Guest Rewards?
The Amtrak Guest Rewards is issued by First National Bank of Omaha and runs on the Mastercard network.
Sources
- https://www.amtrak.com/guestrewards/apply.html — Issuer's official card page
Page last updated 14 November 2026.