Amtrak Guest Rewards Mastercard

This no-annual-fee card makes sense mainly for occasional Amtrak riders: it earns 2x points on Amtrak travel, including onboard purchases, 2x on dining, and 1x on everything else, with no foreign transaction fees. Small perks add up for regular train trips, including a 10% statement credit on onboard food and drink and 5% of your points back when you redeem them for Amtrak travel. The welcome offer was recently cut from 20,000 to 15,000 points after $1,000 in spend in the first three billing cycles, which makes the card less attractive to open right now. The bigger limitation is that the 2x Amtrak rate applies only at Amtrak, so anyone who rarely rides the train will find little here beyond 2x dining. Treat it as a modest card for train trips and restaurant spending rather than an everyday earner.