card.fnbo.com/amtrak or via the FNBO Cards Mobile App.
The Amtrak Guest Rewards® Preferred Mastercard® and Mastercard® (issued by FNBO) are the official co-branded credit cards for rail travelers across the United States—offering 3x points on Amtrak travel purchases, 2x points on dining and travel, 20% rebate on onboard food and beverage purchases, complimentary companion coupons, and tier qualifying points (TQPs) toward Amtrak Select elite status.
Whether you need to log in to the FNBO Cardholder Account Center, submit an immediate monthly payment, set up automatic recurring monthly AutoPay, track Guest Rewards points, or contact cardholder care, this comprehensive guide covers every payment channel and cardholder contact.
FNBO Amtrak Card Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| FNBO Online Account (Bank ACH) | $0.00 (Free) | Same-Day Credit if made by 5:00 PM CST |
| FNBO Cards Mobile App | $0.00 (Free) | Same-Day Credit |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| Automated Phone System (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your Amtrak Mastercard Online (Step-by-Step)
- Navigate to: card.fnbo.com/amtrak.
- Enter your User ID and Password and click “Log In”.
- Navigate to the “Payments > Make a Payment” tab.
- Select payment amount: Minimum Due, Statement Balance, or Custom Amount.
- Enter your checking account routing number and bank account number.
- Submit payment to receive an instant electronic confirmation receipt.
Alternative Payment Channels
- FNBO Cards Mobile App: View Guest Rewards point balances, set purchase alerts, and pay bills on iOS and Android.
- Pay by Phone: Call FNBO Cardmember Services toll-free 24/7 at 1-888-295-5540.
- Pay by Mail: Send payment check with statement coupon to:
Amtrak Guest Rewards Mastercard
P.O. Box 2557
Omaha, NE 68103-2557
Amtrak Mastercard Support Directory
- FNBO Cardholder Support (24/7): 1-888-295-5540
- Hearing Impaired (TDD/TTY): 1-855-827-9267
- Amtrak Guest Rewards Program: 1-800-307-5000
- Official Banking Portal: card.fnbo.com/amtrak
- Bank Issuer: First National Bank of Omaha, Omaha, NE
Frequently Asked Questions (FAQ)
Do Amtrak Guest Rewards points expire?
Points do not expire as long as your Amtrak Guest Rewards Mastercard account is open and in good standing or you maintain qualifying earning/redemption activity every 24 months.
How do I redeem my 20% onboard dining rebate?
Simply use your Amtrak Guest Rewards Mastercard for food and beverage purchases at the Cafe car onboard Amtrak trains; the 20% rebate is automatically credited to your monthly billing statement.
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Disclaimer: BillPayment.guide is an independent consumer credit guide and is not affiliated with, endorsed by, or operated by National Railroad Passenger Corporation (Amtrak) or First National Bank of Omaha. All trademarks belong to their respective owners.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
