Schwab Investor Card® from American Express — American Express National Bank is a personal credit card from American Express National Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 19.49% to 28.49% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: $200 Statement Credit after spending $1,000 in purchases on your Schwab Investor Card ® from American Express in the first 3 months of Card Membership.. Rewards: 1.5% cash back automatically deposited into your eligible Schwab account for purchases made with your Card.. Cash back: 1.5% cash back automatically deposited into your eligible Schwab account for purchases made with your Card.. 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..