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  1. Credit Cards
  2. Graphite™ Business Cash Unlimited Card
American Express

Graphite™ Business Cash Unlimited Card

This card is built for businesses with consistently high expenses that want simple cash back instead of managing points. It works best as a primary business spending card, especially if you can put enough volume on it to make the premium fee and spend-based credits feel relevant.

Welcome Offer
Earn $1,500 Cash Back in the form of Reward Dollars
Annual Fee
$295
Rec. Credit Score
Good
Good For
High-spend businesses
How to Apply
Graphite™ Business Cash Unlimited Card

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Terms Apply. For rates and fees of Graphite™ Business Cash Unlimited Card, please visit the American Express website.

Is the Graphite™ Business Cash Unlimited Card worth it?

This card is great for...

Large ongoing business expenses

Flat-rate cash back spending

Amex Travel bookings

For the right business, this card is straightforward: unlimited 2% cash back on eligible purchases is a strong base rate, and that matters most for companies with big monthly spend across many categories rather than one or two bonus areas. If your expenses are broad, recurring, and large enough that simplicity matters, this can be a useful one-card setup. The 5% back on flights and prepaid hotels booked through Amex Travel is a nice extra, but the main story here is the flat 2% return.

The $295 annual fee makes this a much narrower fit than a no-fee 2% business card. Most small businesses will not need to pay for a flat-rate cash back card, and the headline One AP credit only matters if you are spending at a very high level and actually use that service. In plain terms, this card is worth it for businesses that spend heavily enough to value the simplicity and can realistically use its spend-linked benefits. If your business spend is modest, or you want easier fee-free value, you will likely do better elsewhere.

MaxRewards

MaxRewards Verdict

A strong fit for businesses that put serious volume on a card and want uncomplicated 2% cash back across the board. The annual fee is the main hurdle, so this is far less compelling for lighter-spend businesses.

Welcome Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.

Est. Value

$1,500

Required Spend

$50,000

Time Frame

6 Months

Est. Value

$1,500

Required Spend

$50,000

Time Frame

6 Months

What's your average monthly spend?

$8,400

You should easily hit the bonus threshold with this spend!

Rewards

The rewards structure is simple: strong flat-rate cash back on everyday business purchases, with a higher return on flights and prepaid hotels through Amex Travel. The key question is not category optimization, but whether your business spends enough overall to make a paid 2% cash back card worthwhile.

CategoryEst. yearly spendRateRewards

Flights (American Express Travel Online), Prepaid Hotels (American Express Travel Online)

Est. yearly spend
Rate5%
Rewards$0

All Eligible Purchases

Est. yearly spend
Rate2%
Rewards$0

Est. Annual Rewards

$0

Benefits

$0 / $2,650
|

The practical value here is concentrated in a few credits and event-related extras, but not all of them will apply to every business. Look closely at which benefits match how your company actually spends before counting them toward the annual fee.

Enrollment is required for select benefits

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Graphite™ Business Cash Unlimited CardVenue Collection
Autotracked
$0 of $250Every 12 months

Insurance

Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.


Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express Card. Purchases must be made in the U.S. or its territories.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.

Status & Access

Amex Special Ticket Access

Card Members can access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Rates & Fees

Annual Fee

$295

Purchase APR

17.74% - 28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

None

Late Payment

$39

For rates and fees of Graphite™ Business Cash Unlimited Card, please visit the American Express website.

Table of Contents

Graphite™ Business Cash Unlimited Card

Graphite™ Business Cash Unlimited Card

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

See DetailsHow to Apply

Terms apply.

See rates & fees.
Graphite™ Business Cash Unlimited Card
How to Apply