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American Express Graphite Business Cash Unlimited vs BECU Business Low Rate Credit Card
Both are well-respected travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the BECU Business Low Rate Credit Card from BECU at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Graphite Business Cash Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the BECU Business Low Rate Credit Card's. Get the American Express Graphite Business Cash Unlimited first; revisit the BECU Business Low Rate Credit Card after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | BECU Business Low Rate Credit Card |
|---|---|---|
| Annual fee | $295 | $0 |
| Sign-up bonus | $1,500 cash back | No welcome bonus |
| Bonus value (est.) | $1,500 | $0 |
| Min spend to unlock bonus | $50,000 in 6 mo | $0 in 0 mo |
| Issuer | American Express | BECU |
| Card category | business | low-interest |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Editorial take: BECU Business Low Rate Credit Card
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or BECU Business Low Rate Credit Card?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the BECU Business Low Rate Credit Card?
- At $295/yr, the American Express Graphite Business Cash Unlimited is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the BECU Business Low Rate Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and BECU Business Low Rate Credit Card?
- Yes, since they're from different issuers (American Express and BECU) the application rules don't conflict. 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 American Express Graphite Business Cash Unlimited or the BECU Business Low Rate Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Graphite Business Cash Unlimited: $50,000 spend in 6 months. BECU Business Low Rate Credit Card: $0 in 0 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.