FNBO Amtrak Credit Card 30,000 Points Signup Bonus

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Update 7/2/26: Offer has increased, but only to 30,000 points and requires an authorized user this time. I’d hold for 40,000 points. 

Update 11/5/25: 40k offer is back through 12/16/25.

The Offer

Direct Link to offer

  • FNBO Amtrak Amtrak Guest Rewards Preferred card is offering a signup bonus of 30,000 points. Earn 25K points after spending $1,500, plus 5K points after adding an authorized user.
  • 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
  • Possibly can’t open card if you opened a card within 18 months

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. Dummy booking has never shown another $100 statement credit so not worth waiting if interested. You can view more about Amtrak points and their value here. 

Post history:

  • Extended to 8/13/25 via link
  • Update 6/18/25: Deal is back until July 30, 2025
  • Update 3/19/25: Deal is back until 4/30/25
  • Update 8/19/24: Deal is back until  Sep 25th. Hat tip to reader David
  • 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.)

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