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American Express Graphite Business Cash Unlimited vs Capital One Venture Business
Both are business travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Capital One Venture Business from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($1,275 more in estimated value) than the American Express Graphite Business Cash Unlimited's. Get the Capital One Venture Business first; revisit the American Express Graphite Business Cash Unlimited after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | Capital One Venture Business |
|---|---|---|
| Annual fee | $295 | $95 |
| Sign-up bonus | $1,500 cash back | Up to 150,000 miles |
| Bonus value (est.) | $1,500 | $2,775 |
| Min spend to unlock bonus | $50,000 in 6 mo | $30,000 in 6 mo |
| Issuer | American Express | Capital One |
| Card category | business | business |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | capital-one |
| Headline benefits |
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Read the full review
American Express Graphite Business Cash Unlimited
$295/yr · $1,500 cash back
Read the full review
Capital One Venture Business
$95/yr · Up to 150,000 miles
Editorial take: Capital One Venture Business
Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Capital One Venture Business?
- The Capital One Venture Business has the bigger bonus, Up to 150,000 miles, worth roughly $2,775, versus $1,500 cash back (~$1,500) on the American Express Graphite Business Cash Unlimited.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Capital One Venture Business?
- 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 Capital One Venture Business's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and Capital One Venture Business?
- Yes, since they're from different issuers (American Express and Capital One) 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 Capital One Venture Business 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. Capital One Venture Business: $30,000 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.