The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.99% (Prime Rate + 9.99%) to 28.74% (Prime Rate + 21.74%) variable (accurate as of 10/13/2026) after a 0% intro APR on purchases for 12 months from the date of account opening (no intro rate on balance transfers listed) introductory rate for 12 months. Approval typically requires a credit score of Good to Excellent credit recommended (Bankrate) or higher. Signup bonus: As high as a $500 statement credit after you spend $5,000 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: 2% cash back on eligible purchases on the first $50,000 of eligible purchases per calendar year, then 1%; cash back automatically credited to the statement. Cash back: 2% on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Loan terms: Revolving business credit card; due date at least 25 days after the billing period closes; Expanded Buying Power lets you spend above the credit limit (Amount Above the Credit Limit must be paid with the Minimum Payment Due). 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..