The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $125. 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: Earn 100,000 Marriott Bonvoy bonus points and 1 Free Night Award (redemption level up to 50,000 points) after you spend $8,000 in purchases on the Card within the first 6 months of Card Membership (limited time offer, ends 11/4/2026). Rewards: 6X Marriott Bonvoy points per dollar on eligible purchases at hotels participating in Marriott Bonvoy; 4X at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping; 2X on other purchases; 1 Free Night Award every year after the Card renewal month (redemption level at or under 35,000 points) plus another after $60K in purchases in a calendar year. Loan terms: Revolving business credit card; due date at least 25 days after the billing period closes; 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..