New 40,000-Point Amtrak Credit Card Welcome Offer [Apply by December 16]

Updated: November 6, 2025, 12:06pm CST

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Elevated Welcome Offer on Amtrak Guest Rewards Preferred Card
Final Thoughts

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Amtrak’s signature credit card has some exciting perks, and it’s also sporting an elevated, limited-time welcome offer for new applicants.

Here’s what you need to know about this 40,000-point offer that’s returned just in time for winter travel.

Elevated Welcome Offer on Amtrak Guest Rewards Preferred Card

The Amtrak Guest Rewards^® Preferred Mastercard^® now has a limited-time welcome offer of 40,000 Amtrak Guest Rewards bonus points after making at least $2,000 in purchases within the first 3 billing cycles of your account opening. This welcome offer ends on December 16, 2025.

This is one of the highest offers we’ve seen since the card’s refresh and is double the standard introductory offer of 20,000 points on this card.

Typically, Amtrak Guest Rewards points range in value from about 0.8 to 3 cents per point, which makes this bonus worth around $320 to $1,200.

Amtrak Silver Meteor in Orlando — Image Credit: James Larounis

Amtrak points can come in handy, especially if you’re traveling along the East Coast. Prices on the Acela Express can be as much as $300 one-way, particularly for last-minute travel.

So, if you’re a frequent Amtrak rider, you may want to consider the Amtrak Guest Rewards Preferred card, which charges a $99 annual fee. You’ll enjoy the following benefits:

3x points per $1 spent on Amtrak travel, including onboard purchases
2x points per $1 spent on dining and travel, including transit and rideshare
1x point per $1 spent on all other qualifying purchases
Round-trip companion coupon each card anniversary
1-class upgrade each card anniversary
Station lounge pass each card anniversary
20% rebate on Amtrak onboard food and beverage purchases in the form of a statement credit
5% point rebate when you redeem points for Amtrak reward travel
Earn tier status faster with 1,000 TQPs (Tier Qualifying Points) toward status each time you make $5,000 in qualifying purchases
Points don’t expire as long as your account remains open
No limit on how many points you can earn as long as your account remains open
No foreign transaction fees

Hot Tip:

Amtrak offers another credit card, the Amtrak Guest Rewards^® Mastercard^®, which has a $0 annual fee. This card offers 2x points spent on Amtrak travel (including onboard purchases) and dining, and 1x points for all other purchases. It currently offers a welcome bonus of 12,000 bonus points, available through December 16, 2025. To qualify, spend $1,000 on purchases in the first 3 billing cycles from account opening.

Final Thoughts

This is excellent news for casual riders and Amtrak Guest Rewards loyalists alike, especially considering how difficult it is to earn Amtrak points, as the program doesn’t partner with a major credit card issuer.

If you want to earn Amtrak points and receive perks such as lounge access, make sure to take advantage of this offer on the Amtrak Guest Rewards Preferred card before it expires on December 16.