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

Graphite™ Business Cash Unlimited

The Graphite Business Cash Unlimited Card is built for high-spending businesses seeking straightforward cash back without managing spending categories. It serves as a primary workplace card, earning an unlimited 2% back on everyday operational costs alongside elevated returns on Amex Travel bookings.

Welcome Offer
$1,500
Annual Fee
$295
Rec. Credit Score
Excellent
Good For
High-spending business owners
How to ApplyEstimate your value
Graphite™ Business Cash Unlimited

All information about Graphite™ Business Cash Unlimited has been collected independently by MaxRewards. Graphite™ Business Cash Unlimited is no longer available through MaxRewards.

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

Overview

Is the Graphite™ Business Cash Unlimited worth it?

This card is great for...

Unlimited flat-rate cash back

Amex Travel flight and hotel purchases

Built-in purchase and return protections

For growing companies with substantial monthly expenses, the $295 annual fee is easily offset by the core earnings structure. Spending $14,750 per year on general business expenses completely recovers the annual fee through cash back, after which all earnings become pure profit. Businesses that frequently purchase flights or hotels through Amex Travel reach profitability even faster thanks to the 5% cash back rate, while heavy spenders who hit the $250,000 annual spend threshold unlock substantial software fee credits.

MaxRewards

MaxRewards Verdict

An ideal option for high-spending companies that want predictable, high-rate cash back without category restrictions. Businesses with lower annual spending or those seeking flexible travel transfer points will find better value elsewhere.

Welcome Offer

$1,500

after you spend $50,000 on purchases on your new card in your first 6 months of card membership.

Est. Value

$1,500

Required Spend

$50,000

Time Frame

6 Months

Est. Value

$1,500

Required Spend

$50,000

Time Frame

6 Months

Earning

Rewards

Earning centers on a straightforward flat rate for everyday spending, paired with an elevated return on travel booked directly through American Express.

CategoryRate

Air Travel (amextravel.com)

5%

Hotel (amextravel.com)

5%

Everywhere

2%

Annual Credits & Perks

Benefits

The card features practical coverage for business purchases and business travel, along with targeted credits for administrative tools.

BenefitAnnual value
$2,400
$250

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 UnlimitedVenue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Insurance

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.


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.


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.


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.


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.

Benefits

Status & Access

Amex Special Ticket Access

Card Members have 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.

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent 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.

Pricing

Rates & Fees

Annual Fee

$295

Purchase APR

17.99% - 28.74%

Variable

Foreign Transaction Fee

None

Table of Contents

Graphite™ Business Cash Unlimited

Graphite™ Business Cash Unlimited

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
Business PlatinumBusiness Platinum

250,000 Points

Worth $3,750

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.

Delta SkyMiles® Reserve BusinessDelta SkyMiles® Reserve Business

200,000 Skymiles

Worth $2,400

After you spend $20,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%3.6%Delta Air
  • 2.25%1.8%All
  • 2.25%1.2%Everywhere

Annual Fee

$650

Rec. Credit

Excellent

View card details

Terms Apply.