The American Express is a personal credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $325. The ongoing APR is 19.74% to 28.74% variable APR (Pay Over Time feature, on eligible charges). Approval typically requires a credit score of Good to Excellent or higher. Signup bonus: As high as 100,000 Membership Rewards points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership (welcome offers vary; you may not be eligible). Rewards: 4X Membership Rewards points at restaurants worldwide (up to $50K in purchases per calendar year) and at U.S. supermarkets (up to $25K in purchases per calendar year); 5X on prepaid hotels booked through AmexTravel.com or the Amex Travel App; 3X on flights booked through AmexTravel.com, the Amex Travel App, or directly through airlines; 2X on prepaid car rentals booked through AmexTravel.com or the Amex Travel App, and cruises booked and paid through AmexTravel.com; 1X on all other eligible purchases. 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..