American Express Graphite Business Cash Unlimited

Earning Rates

Key Benefits

All Benefits

• 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% 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
• 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
• $1,500 cash back welcome offer after $50,000 in eligible purchases within the first 6 months of Card Membership (≈3% bonus return on required spend)
• Up to $2,400 in American Express One AP statement credits the following calendar year after spending $250,000 on eligible purchases on the card in a calendar year; credits apply to One AP monthly platform/transaction fees (enrollment required, U.S. suppliers only)
• No Preset Spending Limit (NPSL): purchasing power flexes with your spend, payment, and credit history rather than a fixed credit limit
• Pay 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
• Employee 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
• No-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
• 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
• 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
• No foreign transaction fees on international purchases (the card is marketed as suitable for buying overseas inventory)
• 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
• Amex Offers for Business: targeted statement credit and bonus-cash-back offers from merchants once enrolled and paid with the card
• Pre-qualification: 'Know if you're approved with no impact on your personal credit score' — soft pull during application, business credit score impact only on submission, personal credit score impact only on acceptance
• $295 annual fee (not waived in the first year)
• Not Offered: no Membership Rewards points earning — this is a pure cash-back product with no transfer-partner upside (the Business Platinum and Business Gold are the Membership Rewards plays)
• Not Offered: no airport lounge access (no Centurion Lounge, no Delta Sky Club, no Priority Pass) — that's a Business Platinum benefit
• Not Offered: no $200 airline incidental fee credit, no Global Entry/TSA PreCheck credit, no Hilton/Marriott elite status (all Business Platinum benefits)
• Not Offered: no Fine Hotels + Resorts or The Hotel Collection booking benefits (Platinum-tier benefits)
• Not Offered: no cell phone protection (offered on some Chase, U.S. Bank, and Wells Fargo business cards but not on the Graphite Business)
• Not Offered: no trip cancellation, trip interruption, or trip delay insurance (offered on Business Platinum, not on Graphite Business)
• Not Offered: no baggage insurance plan (offered on Business Gold/Platinum, not surfaced on the Graphite Business product page)
• Not Offered: no free authorized-user / employee cards — the $95 per-card fee makes this materially more expensive at scale than competitors that bundle free employee cards (e.g., Ink Business Unlimited, Capital One Spark Cash Plus, Brex)
• Not Offered: no rotating-category or top-categories bonus structure — flat 2% only (with the single 5% AmexTravel carve-out); businesses with concentrated spend in advertising, gas, or telecom may earn more elsewhere