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The Business Platinum Card from Amex vs American Express Graphite Business Cash Unlimited

Both are business travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the American Express Graphite Business Cash Unlimited from American Express at $295/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

Both cards come from American Express and target business spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The The Business Platinum Card from Amex costs $600 more per year, only worth it if you'll actually use the upgraded perks.

FeatureThe Business Platinum Card from AmexAmerican Express Graphite Business Cash Unlimited
Annual fee$895$295
Sign-up bonus150,000 Membership Rewards points$1,500 cash back
Bonus value (est.)$2,700$1,500
Min spend to unlock bonus$20,000 in 3 mo$50,000 in 6 mo
IssuerAmerican ExpressAmerican Express
Card categorybusinessbusiness
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
    Read the full review
    The Business Platinum Card from Amex
    $895/yr · 150,000 Membership Rewards points
    Read the full review
    American Express Graphite Business Cash Unlimited
    $295/yr · $1,500 cash back

    Editorial take: The Business Platinum Card from Amex

    Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

    Editorial take: American Express Graphite Business Cash Unlimited

    Common questions

    Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or American Express Graphite Business Cash Unlimited?
    The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus $1,500 cash back (~$1,500) on the American Express Graphite Business Cash Unlimited.
    Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the American Express Graphite Business Cash Unlimited?
    Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The American Express Graphite Business Cash Unlimited at $295/yr trades some perks for a lower commitment.
    Can I have both the The Business Platinum Card from Amex 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 The Business Platinum Card from Amex or the American Express Graphite Business Cash Unlimited first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 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.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.