The Premier Rewards American Express is a personal credit card from Premier Rewards American Express. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days.. Rewards: Earn up to 4X points on dining, take-out & restaurant delivery, 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services.. Cash back: 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months. 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..