Sep 13, 2022, 9:39 am
Last edit by: paytonc
Account ownership transfers from BoA to FNBO on 10/21/2022, new cards go into effect on 10/23/2022
Differences between Preferred cards
Issuing bank
Bank of America -> FNB Omaha
Annual fee
$79 -> $99
Amtrak spend earnings
3/$1 -> unchanged
Travel spend earnings
2/$1 (category list) -> Unchanged
added categories include limo/taxis, rideshare, local transit agencies, road tolls/parking, and timeshares
Dining spend earnings
1/$1 -> 2/$1
includes bars, fast food
Everyday spend earnings
1/$1 -> unchanged
TQP earnings
1000 TQPs/$5000, limit 4000/year -> same earnings, no limit?
Amtrak onboard dining rebate
20% -> unchanged
AGR redemption point rebate
5% -> unchanged
Annual perks
Companion pass + 2 one-way upgrade certificates -> Adds lounge pass, now 1 round-trip upgrade certificate
MasterCard tier
World -> unchanged
Foreign transaction fee
None -> Not mentioned in T&C
Differences between Preferred cards
Issuing bank
Bank of America -> FNB Omaha
Annual fee
$79 -> $99
Amtrak spend earnings
3/$1 -> unchanged
Travel spend earnings
2/$1 (category list) -> Unchanged
added categories include limo/taxis, rideshare, local transit agencies, road tolls/parking, and timeshares
Dining spend earnings
1/$1 -> 2/$1
includes bars, fast food
Everyday spend earnings
1/$1 -> unchanged
TQP earnings
1000 TQPs/$5000, limit 4000/year -> same earnings, no limit?
Amtrak onboard dining rebate
20% -> unchanged
AGR redemption point rebate
5% -> unchanged
Annual perks
Companion pass + 2 one-way upgrade certificates -> Adds lounge pass, now 1 round-trip upgrade certificate
MasterCard tier
World -> unchanged
Foreign transaction fee
None -> Not mentioned in T&C
New First National Bank of Omaha AGR Card Discussion [Sept 2022]
Sep 19, 2023, 7:42 am
#151
Join Date: Mar 2017
Posts: 556
Does anyone here have any experience with the options for downgrading or canceling the Amtrak Preferred card(s)? I churned them during the elevated SUB earlier this year. I plan to keep one of them, but the others will need to be PC'd or canceled after a year. I have not found DPs on how this works with FNBO. Do they handle it like most other banks where you wait until the 2nd year AF posts and then cancel? Do you need to cancel before the AF hits, more like Capital One? I would also consider PC'ing to the free version, but they would be useless and I'd rather cancel. I have also seen anecdotal evidence that FNBO does not do PC's.
Is there any experience here with this?
Is there any experience here with this?
Sep 21, 2023, 11:25 pm
#153
Join Date: Mar 2017
Posts: 556
I guess I'd prefer to cancel anyway, but I see absolutely no DPs about how FNBO handles cancellations for cards with AFs. Do I cancel after the AF posts, like with most cards? Or do I cancel before the AF posts, which exists with some cards but is much less common? This would probably be more FNBO related and not specifically the Amtrak card.
Sep 27, 2023, 5:59 am
#155
Join Date: Mar 2017
Posts: 556
This is what I'll probably do if I do not find out anything else. I can find zero DPs about the proper way to close FNBO cards with an AF. Different banks handle it differently. If you close an Amex card in less than a year, the SUB will absolutely be clawed back, at least for MR cards, and you'll be on their black list (for any card). Many banks, including Amex, Chase, Citi, and Barclays will refund the AF if you cancel or downgrade within ~30 days of the AF posting, which is the safest way to do it.
Sep 27, 2023, 11:51 am
#156
Join Date: Jul 2004
Location: PDX
Programs: DL DM, AS MVP 100K, Amtrak peon, Colbert Lifetime Platinum
Posts: 4,534
Separate and belated topic but I wanted to add a data point: Another thing FNBO won't do is shift credit limit from an existing account to create approval for a new one. I have the no-AF card that migrated over from BofA, and then I applied for the Preferred card during the initial SUB promo last year. I was rejected due to FNBO being unwilling to extend further credit to me (the line on the existing card is quite high due to me shifting limits across a few BofA accounts pre-migration). When I called reconsideration, the rep said there was nothing I could do except cancel the existing card and try again later. So, I'm locked out of any new Amtrak cards.
Sep 27, 2023, 8:26 pm
#158
Join Date: Jul 2004
Location: PDX
Programs: DL DM, AS MVP 100K, Amtrak peon, Colbert Lifetime Platinum
Posts: 4,534
Thanks, good suggestion if a good SUB becomes available again (this was last year). But I could
imagine FNBO recon not being willing or able to give an exact number that would ensure approval.
imagine FNBO recon not being willing or able to give an exact number that would ensure approval.
Oct 21, 2023, 6:22 am
#160
Join Date: Dec 2003
Location: Washington, DC
Programs: Hyatt Globalist, AA Executive Platinum
Posts: 1,932
Feb 27, 2024, 8:39 pm
#164
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
40k Offer Is Back
40K Offer available until the beginning of April at the main application page: https://www.amtrak.com/guestrewards/apply
Feb 28, 2024, 6:34 am
#165
Join Date: May 2015
Location: Philly suburbs
Programs: Amtrak Guest Rewards, BOA Travel Visa,
Posts: 56
This card seems to have trouble holding onto banks. Wonder why? If patters are any indication as to the future of this card with FNBO these offers seem to be attempts to grow the cardholder base. If it's not successful I can see FNBO cancelling the relationship with AGR. BOA did these repeated increased offers but in the end deleted the card from their portfolio. I wonder if FNBO will be doing that also soon?