Amtrak Guest Rewards® Mastercard® — FNBO is a personal credit card from FNBO. The annual fee is None. The ongoing APR is 26.74% when you open your account. This APR will vary with the market based on the Prime Rate.. Signup bonus: Earn 15K points after spending $1,000, plus 5K points after adding an authorized user; All within the first 3 billing cycles of account opening; Apply by 1/5/27. Rewards: 2 points per $1 spent on Amtrak travel, including onboard purchases; 2 points per $1 spent on dining; 1 point per $1 spent everywhere else.