Graphite™ Business Cash Unlimited Card

AMEX Rewards No Foreign Fees

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Credit Score

680 850

Good - Excellent

Apply Now On American Express Business's secure website Terms apply. Approval is not guaranteed.

Intro Offer

$1,500 Cash Back

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.

Annual Fee

$295

Rewards Rate

Up to 5%

Foreign Fee

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

17.74% - 28.49% Variable

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by American Express Business.

The Graphite Business Cash Unlimited is an Amex business card earning a flat cash-back rate on all eligible purchases with no cap, plus an elevated rate on flights and prepaid hotels through Amex Travel. Cash-back redeems as Reward Dollars (statement credit or Amazon.com checkout).

The uncapped flat rate is the headline — it beats the Amex Business Cash card (better rate but capped) for high-volume businesses where the cap is the binding constraint. The break-even math: the annual fee requires meaningful annual card spend to recover through the flat rate alone. For businesses spending high six figures or above on cards each year, where the flat 2% applies to most of that spend, the math is straightforward. For smaller businesses, the Blue Business Cash earns more net of fees.

Card Details

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.
Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.

Also in: Rewards No Foreign Fees American Express

Graphite™ Business Cash Unlimited Card

Ready to apply? Visit the issuer's secure site.

Apply Now On American Express Business's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.