The American Express Blue Cash Everyday is a personal credit card from American Express Blue Cash Everyday. Application typically pulls a hard report from Experian. The annual fee is $0 for the first year (then $95). The ongoing APR is 19.49%–28.49% after a 0% introductory rate for 15 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn up to $200 cash back after spending $2,000 in the first 6 months. Rewards: 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail (up to $6,000/year), 1% on all other purchases. Cash back: 3% on eligible categories (up to $6,000/year), 1% on all other purchases. Typical credit limit: $0-$20K. This product reports activity to your personal credit report. 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.. A long 0% APR window with a strong cash-back bonus—great for families or large planned purchases. Citi Diamond Preferred Card. BT Fee: Standard (typically 3%–5%; exact terms per application). Post-intro APR: Approximately 20.24% – 29.24% variable