I just received our cards. Considering we haven't traveled Amtrak for years due to very poor treatment even before COVID, we don't need the points, nor did we need another credit card account.
IMPORTANT TO KNOW: Do NOT call the 855 activation number if you wish to decline the card. It's automated to assume you are activating and it will prompt you for your income (which is fraught with all sorts of implications related to credit reporting).
Also, do NOT bother to call the 855-350-6589 "customer service" number hidden underneath the cards. It is just a recording telling you it won't be active until 10/23. It does, however, give you a third number to call to decline the card...
855-489-6174. Press '1' to decline, and it will prompt you for last four of the card number, last four of your SSN, and then your ZIP. As of today (10/11) you will get a "we don't recognize your information" response.
After two tries I was forwarded to a very pleasant representative, who informed me in semi-frustration that their databases were not populated yet and there wasn't anything she could do for me. Since I am a retired systems engineer who has done multiple system conversions, I completely understood, and we shared several laughs over the implementation and data transfer problems.
Bottom line? You may have the card(s) in hand today or this week, but FNBO is simply not ready. Believe that 10/23 date indicated on the activation sticker for anything other than activation, and even at that you can't use the card until that date.
What a cluster.