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American Express Graphite Business Cash Unlimited vs USAA Rewards American Express
Both are well-respected travel cards. The American Express Graphite Business Cash Unlimited comes from American Express at $295/yr; the USAA Rewards American Express from USAA 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 ($1,475 more in estimated value) than the USAA Rewards American Express's. Get the American Express Graphite Business Cash Unlimited first; revisit the USAA Rewards American Express after you've earned that bonus.
| Feature | American Express Graphite Business Cash Unlimited | USAA Rewards American Express |
|---|---|---|
| Annual fee | $295 | $0 |
| Sign-up bonus | $1,500 cash back | 2,500 USAA Rewards points |
| Bonus value (est.) | $1,500 | $25 |
| Min spend to unlock bonus | $50,000 in 6 mo | $0 in 0 mo |
| Issuer | American Express | USAA |
| Card category | business | rewards |
| 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
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, American Express Graphite Business Cash Unlimited or USAA Rewards American Express?
- The American Express Graphite Business Cash Unlimited has the bigger bonus, $1,500 cash back, worth roughly $1,500, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards American Express.
- Is the American Express Graphite Business Cash Unlimited's $295 annual fee worth it compared to the USAA Rewards 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 USAA Rewards American Express's, pick the one whose perks you'll actually use.
- Can I have both the American Express Graphite Business Cash Unlimited and USAA Rewards American Express?
- Yes, since they're from different issuers (American Express and USAA) 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 USAA Rewards 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. USAA Rewards American Express: $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.