American Express Graphite Business Cash Unlimited
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn $1,500 cash back (in the form of Reward Dollars) after spending $50,000 in eligible purchases on the new Card within the first 6 months of Card Membership; effective ~3% return on the minimum-spend hurdle and aimed squarely at higher-volume small businesses.
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Annual fee to offset
This card carries a $295 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
- High spend to earn the bonus
You must spend $50,000 within 6 months to earn the welcome bonus, which can be a stretch for lighter spenders.
Based on this card's terms last verified May 2026.
Earning rates
3- 2%
Unlimited 2% cash back on all eligible purchases with no category caps, no rotating categories, and no spend tiers, a flat-rate cash-back business card pitched against Capital One Spark Cash Plus and Chase Ink Business Unlimited
- 5%lodging
5% cash back on scheduled flights and prepaid hotels booked online at AmexTravel.com or in the Amex Travel App; non-prepaid hotels, vacation packages, cruises, car rentals, and phone-booked flights/hotel packages are excluded and earn at the 2% base rate
- 2%
Earn 2% cash back on Employee Card spend (cash back is pooled to the primary account) with merchant category alerts, spending limits, and real-time visibility into employee purchases
Statement credits
3- $2,400American Express One AP Statement CreditsYearly
Up to $2,400 in One AP statement credits the following calendar year after spending $250,000 on eligible purchases in a calendar year; applies to One AP platform/transaction fees (enrollment required, U.S. suppliers only).
- Cash back is delivered as Reward Dollars, which can be redeemed as a statement credit against the card balance or at Amazon.com checkout via Shop with Points; no minimum redemption threshold
- Amex Offers for Business
Amex Offers for Business: targeted statement credit and bonus-cash-back offers from merchants once enrolled and paid with the card
Perks & memberships
5- Payment flexibilityNo Preset Spending Limit (NPSL): purchasing power flexes with your spend, payment, and credit history rather than a fixed credit limit
- Payment flexibilityPay Over Time flexible payment option: eligible charges are automatically added to a Pay Over Time balance up to your Pay Over Time Limit, which can be carried with interest; non-eligible charges must be paid in full each billing cycle
- Authorized usersEmployee Cards: Employee Graphite Business Cash Unlimited Cards carry a $95 annual fee per card (first five and each card thereafter), note this is a paid employee-card structure, unlike Amex Business Platinum/Gold which offer free or low-fee employee cards
- Authorized usersNo-fee Employee Business Expense Cards are also available as a separate product line for spend tracking; up to 99 total Employee Cards may be added to the account
- No foreign feesNo foreign transaction fees on international purchases (the card is marketed as suitable for buying overseas inventory)
Travel & purchase protections
5- Purchase Protection: covers eligible new purchases against theft or accidental damage for up to 90 days from the Covered Purchase date, up to $1,000 per occurrence and $50,000 per calendar year
- Return Protection: refund up to $300 per item, maximum $1,000 per calendar year, if a U.S. seller won't take an eligible item back within 90 days of purchase (purchase must be fully charged to the card)
- Car Rental Loss & Damage Insurance: secondary coverage for damage to or theft of an eligible rental vehicle when you reserve and pay for the entire rental with the card and decline the rental company's CDW; excludes rentals in Australia, Italy, and New Zealand; no liability coverage
- Extended Warranty: up to 1 additional year added to the original manufacturer's warranty on eligible purchases (warranties of 5 years or less) in the U.S. or its territories
- Global Assist Hotline: 24/7 emergency assistance and coordination (medical and legal referrals, emergency cash wires, lost-luggage help) whenever you travel more than 100 miles from home; cardholder pays third-party service costs
More benefits & fine print (2)ShowHide
- Virtual Cards: generate single-use or supplier-specific virtual card numbers with custom spending limits, expiration dates, and the ability to deactivate at any time, useful for online purchases and B2B AP workflows
- American Express One AP integration: accounts-payable solution that lets you pay suppliers by Virtual Card, ACH, or check from a single platform; Virtual Card payments still earn 2% cash back, ACH/check do not
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (1 source)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $50,000 in the first 6 months to earn the $1,500 cash back bonus.
See the Current Offer
Earn $1,500 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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