The American Express is a personal credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $0 intro annual fee for the first year, then $150. The ongoing APR is 19.74% to 28.74% variable (rates accurate as of Oct 14, 2026). Approval typically requires a credit score of good to excellent credit score or higher. Signup bonus: As high as 80,000 bonus miles plus a $250 statement credit after $3,000 or more in eligible purchases within the first 6 months. Rewards: 2 miles per dollar on Delta purchases; 2 miles per dollar at restaurants worldwide (including U.S. takeout and delivery) and at U.S. supermarkets; 1 mile per dollar on other 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..