The American Express Business Gold is a business credit card from American Express Business Gold. Application typically pulls a hard report from Experian. The annual fee is $375. The ongoing APR is 17.74%–28.49% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 4X Membership Rewards points on the 2 categories where your business spends the most in each billing cycle from 6 categories.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). 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..