The American Express is a business 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% (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 Good to Excellent credit recommended (Bankrate) or higher. Signup bonus: 90,000 bonus miles after $6,000 in eligible purchases within the first 6 months of Card Membership (limited-time offer, ends 11/4/26; previously 60,000). Rewards: 2X miles on eligible purchases made directly with Delta; 2X at restaurants worldwide; 2X at U.S. shipping providers and 2X on U.S. advertising in select media (each on up to $50,000 in purchases per calendar year); 1X on other purchases. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing period. 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..