Purchase APR
26.49–26.99%
Annual fee
$35
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $844.70 incl. $35 fee
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45
Amtrak Guest Rewards® Mastercard®
Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
26.74–27.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
21 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered26.74%
Median27.24%
Highest offered27.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.74%
Median28.74%
Highest offered28.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $10
Cash advance feegreater of 5% or $5
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1.75
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment (Payment Dishonored Fee)$35
Cash Equivalent Fee$5
Late fee policy: Late Fee cannot exceed the minimum payment due.
Rewards, benefits and features
Rewards
- Other rewards
Services
- Access to Free Credit Scores
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
- Other
Issuer note: Amtrak Rewards Program
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by First National Bank Of Omaha in the 2026 Q1 archive.
More from this issuer
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
23.99–24.49%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $734.70