FNBO Amtrak Credit Cards Now Live

The FNBO Amtrak credit cards are now live after the portfolio was moved from Bank of America. Two cards are available. Cards look the same as the Bank of America versions, but with an increased annual fee of $99 on the Preferred card:

  • Amtrak Guest Rewards Preferred Mastercard.
    • 30,000 point sign up bonus after $1,000 in spend within the first three billing cycles
    • 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 LoungeSM 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
  • Amtrak Guest Rewards Mastercard.
    • 12,000 point sign up bonus after $1,000 in spend within the first three billing cycles
    • No annual fee
    • 10% rebate on onboard food & beverage purchases
    • Card earns at the following rates:
      • 2x points on Amtrak and dining purchases
    • 1x points on all other purchases
      Complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class
    • 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption

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Faraz
Faraz

Bonus is now a measly 20k points! Any speculation on when it might go back to 30k?

Amol P
Amol P

I had the Amtrak 79$ annual fee card through BofA, and after the switch to FNBO, I tried calling them to downgrade to the no fee card, but the agent on the phone said that they cannot downgrade and I would have to cancel the card instead. This just smells like bullshit, because I’d never heard of a bank refusing to downgrade a credit card when a no fee option is available. Anyone else tried doing this and had the same experience?

Robert
Robert

I had the same problem. My fee hit just before the transfer to FNBO and BofA told me to call FNBO. When I called FNBO they told me to apply for the no annual fee card if I wanted a no annual fee card.

Some1
Some1

Would it be possible to downgrade Preferred to a no-annual fee card later?

Ian
Ian

FYI for people who aren’t aware, you can’t use the companion coupon when you book with points.

Nellcat
Nellcat

I don’t think the free card has this benefit: Complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan LoungeSM or First class

Mike
Mike

The BOA card had no FT fees. I take it this version does?

Avi
Avi

Mike Neither of these cards has FT fees.

Alex_the_Churner 🔗

I will wait until we get good road system in US

Tyrone Danger
Tyrone Danger

Two questions here:

1) Let’s say I wanted a huge amount of Amtrak points for an across the country sleeper trip… Is there anything in the terms that I’m missing for signing up for the regular no AF card and then also signing up for the preferred card?
2) Would having one of these cards open help towards opening other FNBO products that are geo restricted? I’m eyeing the evergreen biz 2% card.

R T
R T

“Cards look the same as the Bank of America versions”

Big difference is 2x on dining on both cards. (Old $79 BofA card had 2x on travel only. Dining is new.)

R T
R T

Standard card also doesn’t come with the travel benefits: Metropolitan Lounge Pass, upgrade coupons, 2-for-1 coupon

Cate the MSer
Cate the MSer

It’s FNBO…

Joe
Joe

I have no experience with them…any feedback?

Bob
Bob

Just beware. They will not downgrade to a no-annual fee version. They also will not waive the annual fee after it posts if any later-dated charge happens to appear on the account before you call to cancel.