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First National Bank of Omaha (FNBO / First Bankcard) · Mastercard

Amtrak Guest Rewards® Preferred Mastercard®

No FX FeePremiumRewardsTravel

The Amtrak Guest Rewards® Preferred Mastercard® is a Mastercard from First National Bank of Omaha (FNBO / First Bankcard) with an annual fee of $99. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), foreign transaction fee (Dec 2025), purchase APR (Dec 2025). Not yet checked with First National Bank of Omaha (FNBO / First Bankcard): credit requirement. First National Bank of Omaha (FNBO / First Bankcard)’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$99per yearChecked card.fnbo.com
Apply on First National Bank of Omaha (FNBO / First Bankcard)Compare this card
Opens First National Bank of Omaha (FNBO / First Bankcard)’s site

Bank with branches in: Nebraska (40), Colorado (21), Kansas (20), Illinois (13), Missouri (9), Texas (4), Wyoming (4), Iowa (3) and 1 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Amtrak Guest Rewards® Preferred Mastercard®, exactly as recorded.

Annual fee
$99Checked card.fnbo.com
Supplementary card
Not confirmed
Foreign transaction
NoneChecked files.consumerfinance.gov
Purchase APR
26.74%–27.24%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Mastercard
Credit needed
NoneNot yet checked with First National Bank of Omaha (FNBO / First Bankcard)
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Amtrak Guest Rewards® Preferred Mastercard®. That may mean there isn’t one, or simply that we have not recorded it — First National Bank of Omaha (FNBO / First Bankcard)’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Amtrak Guest Rewards® Preferred Mastercard®. Rather than print a multiplier we cannot source, this stays blank until First National Bank of Omaha (FNBO / First Bankcard)’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the Amtrak Guest Rewards® Preferred Mastercard®?

You'll finish the application on First National Bank of Omaha (FNBO / First Bankcard)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens First National Bank of Omaha (FNBO / First Bankcard)’s site
Questions

Questions about the Amtrak Guest Rewards® Preferred Mastercard®

How much is the Amtrak Guest Rewards® Preferred Mastercard® annual fee?

The Amtrak Guest Rewards® Preferred Mastercard® has an annual fee of $99. Weigh that against the rewards and perks you will actually use.

What does the Amtrak Guest Rewards® Preferred Mastercard® earn?

We could not verify the Amtrak Guest Rewards® Preferred Mastercard®'s earn rates, so we do not print a multiplier. Check them on First National Bank of Omaha (FNBO / First Bankcard)'s own site.

What network is the Amtrak Guest Rewards® Preferred Mastercard® on?

The Amtrak Guest Rewards® Preferred Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Amtrak Guest Rewards® Preferred Mastercard® available in United States?

Yes — the Amtrak Guest Rewards® Preferred Mastercard® is issued by First National Bank of Omaha (FNBO / First Bankcard) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Amtrak Guest Rewards® Preferred Mastercard® figures last checked?

We checked its annual fee in October 2026, its foreign transaction fee in December 2025 and its purchase APR in December 2025, each against a published document. Not yet checked with First National Bank of Omaha (FNBO / First Bankcard): credit requirement. We could not verify, so we do not print: earn rates and welcome offer. Check them with First National Bank of Omaha (FNBO / First Bankcard). Terms can change without notice, so confirm the current details with First National Bank of Omaha (FNBO / First Bankcard) before you apply.