Points · Mastercard · No annual fee
Last verified 2026-10-26. Review issuer source
FNBO Amtrak Guest Rewards Mastercard is a no-annual-fee points card from FNBO. Its best everyday rates are 2x on dining; everything else earns 1x. There is also 2x on Amtrak, a single-merchant rate. Rewards are Amtrak Guest Rewards points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $104, an effective 0.4% back. The welcome bonus, 12,000 points after $1,000 in 3 months, adds to the first year's return.
Get it if you already fly or stay with Amtrak Guest Rewards often enough to use the perks. A general travel card earns points that go more places.
2 points per $1 spent on dining
2 points per $1 spent on Amtrak travel, including onboard purchases
EARN 12,000 BONUS POINTS after spending $1,000 in the first 3 billing cycles of account opening
10% REBATE ON ONBOARD FOOD AND BEVERAGE PURCHASES.
5% POINT REBATE?
These come from Mastercard, not from FNBO. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
A smooth departure starts with Fast Track access. Use your World Mastercard to purchase* discounted access to a dedicated security lane for you and your guests at select airports in 30+ countries outside the U.S. Enjoy this benefit as part of The Mastercard Collection.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
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Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Chef-curated menus, signature drinks, and a space designed for travelers. Taste by Priceless is a dining club that reimagines culinary experiences at the airport — now open at Hong Kong International Airport. Use your World Mastercard to purchase access for yourself and your guests, as a benefit of The Mastercard Collection.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Amtrak Guest Rewards® Mastercard®This card · 2x on dining | None | $104 | +$104 | 981st of 1,284 |
| Evergreen® by FNBOFNBO's most-held other card · 2% on everything | None | $492 | +$492 | 287th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
