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American Express Graphite Business Cash Unlimited vs Atmos Rewards Visa Signature Business Card
Both are well-respected travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Atmos Rewards Visa Signature Business Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | American Express Graphite Business Cash Unlimited | Atmos Rewards Visa Signature Business Card |
|---|---|---|
| Annual fee | $295 | $70 |
| Sign-up bonus | $1,500 cash back | 70,000 points + $99 Companion Fare |
| Bonus value (est.) | $1,500 | $1,120 |
| Min spend to unlock bonus | $50,000 in 6 mo | $4,000 in 3 mo |
| Issuer | American Express | Bank of America |
| Card category | business | travel |
| 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
Atmos Rewards Visa Signature Business Card
$70/yr · 70,000 points + $99 Companion Fare
Editorial take: Atmos Rewards Visa Signature Business Card
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Atmos Rewards Visa Signature Business Card?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus 70,000 points + $99 Companion Fare (~$1,120) on the Atmos Rewards Visa Signature Business Card.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Atmos Rewards Visa Signature Business 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 Atmos Rewards Visa Signature Business Card's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and Atmos Rewards Visa Signature Business Card?
- Yes, since they're from different issuers (American Express and Bank of America) 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 Atmos Rewards Visa Signature Business 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. Atmos Rewards Visa Signature Business Card: $4,000 in 3 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.