The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $895. The ongoing APR is 16.74%–26.74% (variable) after a 0% introductory rate for 12 months. Approval typically requires a credit score of 760-780 or higher. Signup bonus: None listed prominently. Rewards: Earn 5X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com.. Cash back: 2% cash back on first $50,000/yr; 1% thereafter. 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.. EXPERT REFERENCE (Aug 2025): 0% for 12 months | EXPERT REFERENCE (Aug 2025): Approvals up to $50K | EXPERT REFERENCE (Aug 2025): Limit merging with personal cards