The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $650. 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 200,000 bonus miles after you spend $20,000 in purchases on your new Card in your first 6 months of Card Membership (limited time offer, ends 11/4/26). Rewards: 3X miles on purchases made directly with Delta; 1.5X miles on eligible transit, U.S. shipping and U.S. office supply store purchases; 1X miles on other purchases; annual Companion Certificate (Delta First, Delta Comfort or Delta Main domestic, Caribbean or Central American round trip) after renewal; 15 Delta Sky Club visits per Medallion Year (unlimited after $75,000 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..