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American Express

Graphite Business Cash Unlimited Card

Graphite Business Cash Unlimited Card card art

Estimated value every year on typical spending

$329/ year

Every year, after the annual fee. No welcome bonus.

+$624rewards−$295annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit American Express

Is it worth it?

On typical spending the American Express Graphite Business Cash Unlimited Card returns about $624 a year in rewards and usable credits, which covers its $295 fee with $329 to spare.

The fine print

Intro APR
Not listed
Regular APR
17.99% to 28.74% variable
Foreign fee
None
Top perk
No Preset Spending Limit
Approval
Excellent credit recommended
Redeem for
Airline/hotel bookings · Loyalty program transfers · Gift cards

Rewards

  • 2% cash back on all eligible purchases
  • 5% cash back on flights and prepaid hotels booked through American Express Travel

Sign-up bonus

$2,000 Cash Back after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership.

Best for

  • Business spending
  • Travelers who redeem points
  • Perk-seekers who travel often

Not ideal for

  • Light or occasional spenders
  • People who want plain cash back
  • Thin or new credit files

Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for.

Worth knowing

Annual fee
$295
Intro APR
Not listed
Regular APR
17.99% to 28.74% variable
  • $1200/mo on everyday spending earns about $288/year (2x).
  • You come out ahead of a no-fee 1% card after about $29500/year of everyday spending spending.

Offer history

  • Oct 27, 2026 · Welcome offer changed: $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. → $2,000 Cash Back after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership.

Full bonus history · All recent card changes

Graphite Business Cash Unlimited Card: questions people ask

Is the American Express Graphite Business Cash Unlimited Card worth it?

On typical spending the American Express Graphite Business Cash Unlimited Card returns about $624 a year in rewards and usable credits, which covers its $295 fee with $329 to spare.

What is the American Express Graphite Business Cash Unlimited Card annual fee?

The American Express Graphite Business Cash Unlimited Card has a $295 annual fee. On typical spending its rewards and usable credits come to about $624 a year, so it nets about $329 after the fee.

What is the American Express Graphite Business Cash Unlimited Card welcome bonus?

$2,000 Cash Back after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. We check the issuer's page daily; see its offer history for changes since Oct 26, 2026.

What does the American Express Graphite Business Cash Unlimited Card earn?

2% cash back on all eligible purchases. 5% cash back on flights and prepaid hotels booked through American Express Travel.

What credit score do you need for the American Express Graphite Business Cash Unlimited Card?

The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.

Does the American Express Graphite Business Cash Unlimited Card charge foreign transaction fees?

No. The American Express Graphite Business Cash Unlimited Card has no foreign transaction fee.

Compare Graphite Business Cash Unlimited Card

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.