Blue Business Cash Card from American Express vs American Express Graphite Business Cash Unlimited

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or American Express Graphite Business Cash Unlimited?

The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus $250 statement credit (~$250) on the Blue Business Cash Card from American Express.

Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the American Express Graphite Business Cash Unlimited?

The Blue Business Cash Card from American Express has no annual fee, so the question is whether the American Express Graphite Business Cash Unlimited's $295 fee is justified by its perks. If you'll use enough of the American Express Graphite Business Cash Unlimited's benefits to clear $295 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.

Can I have both the Blue Business Cash Card from American Express and American Express Graphite Business Cash Unlimited?

Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Blue Business Cash Card from American Express or the American Express Graphite Business Cash Unlimited first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. American Express Graphite Business Cash Unlimited: $50,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.