The American Express Cards is a personal credit card from American Express Cards. Application typically pulls a hard report from Experian. The annual fee is $0 - $895 (varies by card). The ongoing APR is 19.49%–28.49% variable (varies by card) after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: As high as 175K points. Rewards: Membership Rewards / cash back (varies by card). Cash back: Varies by card. 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.. Foreign Txn Fee: Varies by card. Pre-qualification available (soft pull). BT Fee: Varies by card. Post-intro APR: Varies by card