Amtrak Guest Rewards® Preferred Mastercard® — FNBO is a personal credit card from FNBO. The annual fee is $99. 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 25K points after spending $1,500, plus 5K points after adding an authorized user; All within the first 3 billing cycles of account opening; Apply by 1/5/27. Rewards: 3 points per $1 spent on Amtrak travel, including onboard purchases; 2 points per $1 spent on dining, travel, transit and rideshare; 1 point per $1 spent everywhere else.