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American Express Graphite Business Cash Unlimited vs Lowe's Business Rewards Card from American Express
Both are business travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the Lowe's Business Rewards Card from American Express from American Express at $0/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 American Express Graphite Business Cash Unlimited costs $295 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | American Express Graphite Business Cash Unlimited | Lowe's Business Rewards Card from American Express |
|---|---|---|
| Annual fee | $295 | $0 |
| Sign-up bonus | $1,500 cash back | $100 statement credit |
| Bonus value (est.) | $1,500 | $100 |
| Min spend to unlock bonus | $50,000 in 6 mo | $1,000 in 3 mo |
| Issuer | American Express | American Express |
| Card category | business | business |
| 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
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
Editorial take: Lowe's Business Rewards Card from American Express
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or Lowe's Business Rewards Card from American Express?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the Lowe's Business Rewards Card from American Express?
- 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 Lowe's Business Rewards Card from American Express's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and Lowe's Business Rewards Card from American Express?
- 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 American Express Graphite Business Cash Unlimited or the Lowe's Business Rewards Card from American Express 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. Lowe's Business Rewards Card from American Express: $1,000 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.