The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $195. The ongoing APR is 19.74% (Prime Rate + 12.74%) to 28.74% (Prime Rate + 21.74%) variable (accurate as of 10/13/2026). Approval typically requires a credit score of 650-700 or higher. Signup bonus: 150,000 Hilton Honors Bonus Points and one Free Night Reward after you spend $8,000 on eligible purchases in the first 6 months of Card Membership (limited time offer, ends 1/13/27). Rewards: 12X Hilton Honors Bonus Points per dollar on eligible purchases made directly with hotels and resorts in the Hilton portfolio; 5X on other eligible purchases on the first $100,000 per calendar year, then 3X. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date. 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..