FNBO Taking Over Amtrak Credit Card Program

Advertiser Disclosure

The Amtrak Guest Rewards credit card is shifting from Bank of America to FNBO. The changeover will take place on October 23, with existing customers receiving a new card, a new bonus spends category, and a new annual fee. Here are all the known details of the Amtrak credit card changeover:

Changes Coming to Amtrak Credit Cards in October

Last year, Bank of America pulled the Amtrak Guest Rewards® World Mastercard® from its travel credit card lineup. The Amtrak Guest Rewards credit card program is now shifting to FNBO (First National Bank of Omaha).

FNBO will begin managing existing Amtrak Guest Rewards credit card accounts starting October 23, 2022. Between October 1 and October 23, accountholders will receive the new FNBO Amtrak Guest Rewards Mastercard, with new account numbers, expiration dates, and three-digit security codes. Payment dates will also change depending on the statement date. Statements will be mailed from FNBO after the changeover date.

More information on the changeover can be found on the new dedicated account page here.

About the Amtrak Guest Rewards® Mastercard®

The Amtrak Guest Rewards® Mastercard® earns lucrative rewards with select purchases. Cardholders earn Guest Rewards points for the following purchases:

  • 3X points per $1 spent on Amtrak purchases, including fares and upgrades
  • 2X points per $1 spent on dining, transit, and rideshares
  • 1X points per $1 spent on all other purchases

The card’s annual fee is also getting refreshed, increasing to $99. The Bank of America version of the card, the Amtrak Guest Rewards® World Mastercard®, charged a $79 annual fee.

About FNBO

FNBO (sometimes referred to as First Bankcard) is a First National Bank of Omaha division. FNBO issues an impressive selection of co-branded credit cards. These card offerings include versatile travel credit cards from Best Western, China Airlines, Icelandair, MGM, and Sun Country Airlines.

Related Article: Cardless Removes Some Rewards Categories

Featured image by FNBO/First National Bank of Omaha

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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