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Graphite™ Business Cash Unlimited Card: Full Review [2026]
Jarrod West
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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Graphite Business Cash Unlimited card allows you to earn an uncapped 2% back on all of your business expenses, with the benefits you’d come to expect from American Express, like no preset spending limit, purchase protections, access to Amex Offers, and more.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.
Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
Terms apply.
Pros & Cons
Pros
5% cash-back on flights and prepaid hotels booked on AmexTravel.com
Unlimited 2% cash-back on all other purchases
No preset spending limit
Pay Over Time
Spend $250,000 or more in a calendar year and unlock up to $2,400 in statement credits for Amex’s One AP accounts payable platform the following year
Access to Amex Offers
Travel and purchase protections
No foreign transaction fees
Cons
Annual fee of $295
Great Card If
You want a simple cash-back rewards card for your business with no preset spending limit.*
You’ll spend enough on the card to earn up to $2,400 in statement credits for Amex’s One AP accounts payable platform.
Don’t Get If
You prefer a 2% back business card with a lower annual fee.
Amex Graphite Business Cash Unlimited Card — Is It Worth It?
The Amex Graphite Business Cash Unlimited card could be worth it for business owners with large monthly expenses who value earning 2% back on all purchases, no preset spending limit, and the ability to earn up to $2,400 in Amex One AP statement credits annually.
However, given that there are multiple competitor cards that also offer 2% back on your business purchases and have a lower annual fee, you’ll want to carefully evaluate the pros and cons when deciding which card is best for you.
Amex Graphite Business Cash Unlimited Card Top Benefits and Perks
Here is a full look at the benefits you expect from the Amex Graphite Business Cash Unlimited card:
No preset spending limit: Your monthly spending limit will be adjusted based on factors such as your purchases, payments, and credit history.
Pay Over Time: Choose to pay eligible purchases in full or with interest up to your Pay Over Time limit.
Amex One AP Statement credits: Spend $250,000 or more in a calendar year and unlock up to $2,400 in statement credits for Amex’s One AP accounts payable platform the following year.
Access to Amex Offers: Earn statement credits or additional cash-back rewards with dozens of select merchants each month.
Card protections: Benefits include purchase protection, return protection, extended warranty coverage, and car rental loss and damage insurance.
Employee cards: Add employee cards for $95 per year for the first 5 cards and $95 for each thereafter (rates & fees).
No foreign transaction fees: Use your card during international travel to continue earning 2% cash-back rewards (rates & fees).
Best Ways To Earn and Redeem Your Rewards
Naturally, you’ll want to use the Amex Graphite Business Cash Unlimited card for as many of your business expenses as you can, since the card earns an uncapped 5% back on prepaid flights and hotels booked through AmexTravel.com, and an uncapped 2% back on all other purchases made.
All of your cash-back is earned as Reward Dollars, which you can redeem as a statement credit to offset transactions or as a payment method for Amazon purchases.
Alternative Cards to the Amex Graphite Business Cash Unlimited Card
The Ink Business Premier card comes in at an annual fee that is $100 less than the Amex Graphite Business Cash Unlimited card, but still offers 5% cash-back on travel purchased through Chase Travel, 2% back on all other business purchases, and takes it a step further by also offering 2.5% cash-back on purchases of $5,000 or more.
Plus, you’ll get no-additional-fee employee cards, no foreign transaction fees, purchase protection, extended warranty protection, rental car insurance, and cell phone protection.
Similarly, the Capital One Spark Cash Plus cardInformation collected independently. Not reviewed by Capital One. earns 5% cash-back on hotels and rental cars purchased through Capital One Business Travel and an unlimited 2% cash-back on all purchases, with an annual fee of $150.
Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love.
