The American Express is a business credit card from American Express. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.99% (Prime Rate + 9.99%) to 28.74% (Prime Rate + 21.74%) variable (accurate as of 10/13/2026) after a 0% intro APR on purchases for 12 months from the date of account opening (no intro rate on balance transfers listed) introductory rate for 12 months. Approval typically requires a credit score of Good to Excellent (NerdWallet recommended credit score) or higher. Signup bonus: As high as 50,000 Membership Rewards points after you spend $5,000 in purchases on the new Card within the first 3 months of Card Membership (exact amount shown after you apply; welcome offers vary and you may not be eligible). Rewards: 2X Membership Rewards points on eligible purchases on the first $50,000 of eligible purchases per calendar year; 1X points on purchases thereafter. Typical credit limit: $1,000 - $50,000. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing period; Expanded Buying Power lets you spend above the credit limit (Amount Above the Credit Limit is paid with the Minimum Payment Due). 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.. [SOFT PULL ONLY] | Best no-annual-fee business card. 0% intro APR for 12 months. Expanded buying power above credit limit. Great everyday business card. | EXPERT REFERENCE (Feb 2025): Melio allows business credit cards to be used for payments to vendors who typically do not accept credit cards, effectively turning them into cash. | EXPERT REFERENCE (Feb 2025): Melio charges a 2.9% fee for credit card payments, but users can earn 2% cashback with Amex Blue Business Cash Card, resulting in a net 0.9% fee. | EXPERT REFERENCE (Feb 2025): Offers a 12-month 0% APR period. | EXPERT REFERENCE (Feb 2025): Comes with a $250 sign-up bonus. | EXPERT REFERENCE (Mar 2026): New card called Graphite Business Cash Unlimited | EXPERT REFERENCE (Mar 2026): 2% cash back on everything | EXPERT REFERENCE (Mar 2026): 5% cash back on flights + hotels through Amex Travel | EXPERT REFERENCE (Mar 2026): Around a $250 annual fee | EXPERT REFERENCE (Mar 2026): No cap on 2% cash back earnings | EXPERT REFERENCE (Mar 2026): Break-even point at $75,000 annual spend | EXPERT REFERENCE (Feb 2026): Minimum FICO score for Business Blueprint line of credit increased from 620 to 660. | EXPERT REFERENCE (Sep 2025): Citi Bank's Costco Anywhere Visa Business Card offers 4% back on gas purchases (up to $7,000 annually, then 1%), 3% back at restaurants and on Costco Travel, 2% back on Costco purchases, and 1% back on all other purchases. | EXPERT REFERENCE (Sep 2025): Citi Bank is known for pulling Equifax for both personal and business credit applications. | EXPERT REFERENCE (Sep 2025): A user reported being approved for a $10,000 credit line with a 767 Equifax Bankcard score 8, without a hard pull. | EXPERT REFERENCE (Jun 2025): $200K+ in business credit cards including FNBO Hello Alice | EXPERT REFERENCE (Apr 2025): 0% APR for 12 months. | EXPERT REFERENCE (Apr 2025): Consistently issues $35K–$50K approvals. | EXPERT REFERENCE (Apr 2025): $250 sign-up bonus after spending $3k in the first 3 months | EXPERT REFERENCE (Apr 2025): 2% Cashback on all purchases automatically each month | EXPERT REFERENCE (Apr 2025): 0% APR for the first 12 months | EXPERT REFERENCE (Mar 2025): Over $30,000 in credit limits can be obtained in less than 30 days without showing any business revenue. | EXPERT REFERENCE (Mar 2025): Approved for Chase INK Business Unlimited card with a $21,000 starting limit. | EXPERT REFERENCE (Mar 2025): Chase required minimal documentation, just a copy of articles of organization. | EXPERT REFERENCE (Mar 2025): Chase hard pulled Experian credit report for approval. | EXPERT REFERENCE (Mar 2025): 80% of people with $20k+ starting limits had a prior relationship with Chase. | EXPERT REFERENCE (Mar 2025): Credit limits range from $2,000 to $250,000. | EXPERT REFERENCE (Mar 2025): No origination fees, annual fees, or prepayment penalties. | EXPERT REFERENCE (Mar 2025): Flexible repayment terms of 6, 12, 18, or 24 months for installment loans. | EXPERT REFERENCE (Mar 2025): Each draw is treated as a separate loan with a fixed repayment schedule. | EXPERT REFERENCE (Mar 2025): Loan fees are higher in the first half of the loan term and decrease later.