9 benefits
Onboard Food and Beverage Rebate
10% rebate on onboard food and beverage purchases in the form of a statement credit.
1x Points on Everywhere Else
1 point per $1 spent on all other purchases.
2x Points on Amtrak Travel
2 points per $1 spent on Amtrak travel, including onboard purchases.
2x Points on Dining
2 points per $1 spent on dining.
Points Expiration
Points do not expire as long as your account remains open.
Tier Qualifying Points
Earn 1,000 TQPs (Tier Qualifying Points) each time you make $5,000 in qualifying purchases.
Welcome Bonus: Bonus Points
Earn 15,000 points after spending $1,000, plus 5,000 points after adding an authorized user, all within the first 3 billing cycles of account opening.
5% point rebate
5% point rebate when you redeem your points for Amtrak travel.
No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the United States.
Benefit data is kept current by a weekly scrape of FNBO's own page — not affiliated with or endorsed by FNBO.