The American Express is a charge card from American Express. Application typically pulls a hard report from Experian. The annual fee is $375. The ongoing APR is Pay Over Time APR 17.99% (Prime Rate + 10.99%) to 28.74% (Prime Rate + 21.74%) variable (accurate as of 10/13/2026). Approval typically requires a credit score of Good to Excellent credit recommended (Bankrate) or higher. Signup bonus: As high as 200,000 Membership Rewards points after you spend $15,000 in purchases on the new Card within the first 3 months of Card Membership (exact amount shown after you apply; welcome offers vary and you may not be eligible). Rewards: 4X Membership Rewards points on the top 2 eligible categories each month (first $150,000 in combined purchases each calendar year, then 1X); 3X points on flights and prepaid hotels booked on AmexTravel.com; 1X on all other eligible purchases. Typical credit limit: No Preset Spending Limit (spending capacity adapts to purchase, payment and credit history); Pay Over Time balance up to a Pay Over Time Limit. Loan terms: Charge card: charges not added to the Pay Over Time balance must be paid in full each month; eligible charges can go to a Pay Over Time balance paid over time with interest; due date at least 25 days after the billing period closes. 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..