The American Express is a personal credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $895. The ongoing APR is 19.49%–28.49% variable. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: As High As 175,000 Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership.. Rewards: 5X Points on Flights booked directly with airlines or through American Express Travel, on up to $500,000 of purchases per calendar year; 5X Points on Prepaid Hotels booked on American Express Travel. 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..