Amex Graphite Business Cash Unlimited Credit Card Review
Key Takeaways
In addition to 2% back on all purchases, the American Express Graphite Business Cash Unlimited card earns 5% back on flights and prepaid hotels booked through the Amex travel portal. The 150,000-point sign-up bonus (worth $1,500 cash back) requires a pretty hefty $50,000 in spending within six months to earn.
Why This Card Could Be Right For You
If you want a small business card with a simple earning structure, it doesn’t get much easier than 2% cash back on all purchases, along with an elevated 5% back on airfare and hotels booked through the Amex travel portal.
The signup bonus is high, at 150,000 points in the form of cash back, but the spending requirement is also steep at $50,000 in the first six months. The welcome offer comes in the form of Reward Dollars, which can be redeemed for statement credits or at Amazon at 1 cent per point.
The annual fee is $295, and the card does not offer many benefits to justify that high fee.
Cardholders can earn up to $2,400 in statement credits for use in the next calendar year on American Express One AP monthly fees, but only after spending $250,000 on the card in the previous calendar year.
The card also offers:
- Purchase protection
- Return protection
- Car rental loss and damage insurance
- Extended warranty
- Global Assist Hotline
When The Usual Advice Doesn't Apply
We struggle to find a clear audience for this card. There are several other 2% cash-back options with stronger welcome bonuses and more meaningful perks that better justify this high annual fee.
How The Amex Graphite Business Cash Unlimited Credit Card Fits In The Cash in Cents Ecosystem
American Express offers several other business cards we would recommend over this one.
- Amex Business Platinum is the highest-tier card offered by the bank, with up to a 200,000 point signup bonus after spending $20,000 in 3 months. The annual fee is among the highest on the market at $895, but it comes with a wide variety of statement credits, benefits, and perks that can help offset that fee.
- Amex Business Gold is the next step down, with a 100,000 point welcome offer after spending $15,000 in 3 months. The annual fee is $375. It offers a variety of strong spending multipliers and a handful of statement credits that can offset the annual fee for certain small business owners.
- Amex Business Green is not one of our recommended cards, as the welcome offer is low and it does not offer enough benefits to justify the annual fee.
- Amex Blue Business Plus is a solid option if you can find an elevated signup bonus. It is the only American Express Membership Rewards-earning card without an annual fee.
Card Information
Differentiating Perks
Historical Card Offers
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Estimated Next Offer
Amex Graphite Business Cash Unlimited Application Rules
You'll be declined if you apply for a third Amex card in 90 days
Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card)
After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus
Card approval not subject to 5-personal-cards-in-24-months rule
