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American Express Graphite Business Cash Unlimited vs Chase Ink Business Cash
Both are business travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Chase Ink Business Cash from Chase at $0/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 Chase Ink Business Cash, 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 | Chase Ink Business Cash |
|---|---|---|
| Annual fee | $295 | $0 |
| Sign-up bonus | $1,500 cash back | $1,000 bonus cash back |
| Bonus value (est.) | $1,500 | $1,000 |
| Min spend to unlock bonus | $50,000 in 6 mo | $8,000 in 4 mo |
| Issuer | American Express | Chase |
| Card category | business | business |
| Best earning category (Amex_travel_flights_prepaid_hotels) | 5x | 1x |
| Transfer partners | None | chase-ur |
| 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
Chase Ink Business Cash
$0/yr · $1,000 bonus cash back
Editorial take: Chase Ink Business Cash
Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Chase Ink Business Cash?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus $1,000 bonus cash back (~$1,000) on the Chase Ink Business Cash.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Chase Ink Business Cash?
- 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 Chase Ink Business Cash's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and Chase Ink Business Cash?
- Yes, since they're from different issuers (American Express and Chase) 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 Chase Ink Business Cash 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. Chase Ink Business Cash: $8,000 in 4 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.