The American Express is a personal credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.74% to 28.74% variable (page checked 2026-10-14) after a 0% intro APR for up to 18 months on purchases and balance transfers from the date of account opening (duration may be as short as 6 months; you may not be eligible) introductory rate for 15 months. Approval typically requires a credit score of recommended good to excellent credit score or higher. Signup bonus: $200 cash back (Reward Dollars, redeemable for a statement credit or at Amazon.com checkout) after $2,000 in purchases on the new Card in the first 6 months of Card Membership. Rewards: 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations (each on up to $6,000 per year in purchases, then 1%); 1% on other purchases; cash back is received as Reward Dollars redeemable for a statement credit or at Amazon.com checkout. Cash back: 3% on groceries, 2% on gas and department stores, 1% on other purchases.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules.. The 0% intro APR applies to purchases for the first 15 months.