FNBO Amtrak Credit Card 30,000 Points Signup Bonus

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.)