If you ride Amtrak more than a couple of times a year, the no annual fee Guest Rewards card is an easy add: 2 points per dollar on Amtrak travel, including onboard purchases, plus 2 points per dollar on dining and no foreign transaction fee. FNBO recently trimmed the signup bonus from 20,000 points to 15,000 after $1,000 in the first three billing cycles, which takes some shine off the opening offer without changing the ongoing value. Everyday earning is where it thins out, since anything outside Amtrak and restaurants brings just 1 point per dollar, so treat this as a supplement to a stronger all-purpose card rather than a replacement for one. The 10% statement credit on onboard food and beverage and the 5% of points back when you redeem for Amtrak travel are small but genuinely repeat every trip. At $0 a year, the card does not have to do much to justify staying in your wallet.
Earn rates & credits
| Category | Rate |
|---|---|
Transit Amtrak travel, including onboard purchases | 2x |
Dining | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
10% Onboard Food & Beverage Rebate 10% back as a statement credit on onboard food and beverage purchases | 10% |
5% Points Rebate 5% of points back when redeeming points for Amtrak travel | 5% |
Card details
Regular APR | 18.24%–27.74% variable |
Foreign transaction fee | None |