Amex Graphite Business Cash Unlimited Card: Earn as High as $2,000

The Graphite™ Business Cash Unlimited Card launched back in March, offering unlimited cash-back on purchases without any earning caps or spending categories to keep track of. Redemptions on the card are easy, as well, since cardholders earn cash-back without any hoops to jump through.

Now the Amex Graphite Business Cash Unlimited card has updated its welcome offer, following other American Express cards in using a welcome offer with “as high as” language, meaning the bonus amount is targeted. You can see what it is before accepting the card’s offer and opening an account.

Let’s look at the Amex Graphite Business Cash Unlimited card’s welcome offer that’s as high as $2,000 cash-back to understand how it works and who qualifies for it.

Earn as High as $2,000 Cash-Back With the Amex Graphite Business Cash Unlimited Card

The Amex Graphite Business Cash Unlimited card has a new welcome offer format:

• As High As $2,000 Cash Back. Apply and find out your offer. You may be eligible for as high as $2,000 Cash Back after spending $50,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

Terms Apply / Rates & Fees

Graphite™ Business Cash Unlimited Card

U.P. Rating 

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.

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Graphite™ Business Cash Unlimited Card

Welcome Offer

As High As $2,000 Cash Back. Apply and find out your offer. You may be eligible for as high as $2,000 Cash Back after spending $50,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

As High As $2,000 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:

As high as $2,000

Annual Fee

$295

APR

17.99% - 28.74% Variable

Why We Like This Card

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.

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

Cons

• Annual fee of $295

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Card Highlights

• As High As $2,000 Cash Back. Apply and find out your offer. You may be eligible for as high as $2,000 Cash Back after spending $50,000 in eligible purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
• 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.
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• Terms apply.

Financial Snapshot

• APR: 17.99% - 28.74% Variable
• Foreign Transaction Fees: 

With American Express’ move to a welcome offer with “as high as” language, $2,000 is the highest advertised welcome offer on the Amex Graphite Business Cash Unlimited card. The offer you receive is tailored to you once you fill out the application.

After providing your personal details and information about your business, American Express will present the welcome offer you qualify for. At this point, you can accept it and open an account or discard the application if you’re not happy with the stated bonus amount. Once you accept the offer and open the card account, your credit score may be affected, and you may get a hard pull on your credit.

The Amex Graphite Business Cash Unlimited card has a $295 annual fee (rates & fees) and earns an unlimited 2% cash-back on eligible purchases. On top of that, cardholders can earn 5% cash-back on flights and prepaid hotel bookings made through AmexTravel.com.

You earn the card’s cash-back in the form of Reward Dollars, which can be redeemed as a statement credit or at Amazon.com checkout at a 1:1 ratio. There’s no minimum amount for redemptions.

Overview of the Amex Graphite Business Cash Unlimited Card

In exchange for its $295 annual fee, the Amex Graphite Business Cash Unlimited card offers the following perks:

• 2% cash-back on everyday spending
• 5% cash-back on flights and hotels booked through AmexTravel.com
• Up to $2,400 in credits with Amex One AP after spending $250,000 or more on purchases in a calendar year
• Employee cards, costing $95 per year for the first 5 cards and $95 for each thereafter (rates & fees)
• Insurance protections, including rental car, return protection, purchase protection, and extended warranty
• Access to Amex Offers (which require enrollment in each offer)
• No preset spending limit

Unlike traditional credit cards, the Amex Graphite Business Cash Unlimited card has no preset spending limit. That means cardholders’ purchasing power adjusts over time, based on purchase history, payment history, and your relationship with American Express.

Final Thoughts

Applicants for the Amex Graphite Business Cash Unlimited card can now earn as high as $2,000 cash-back with this new welcome offer format. The exact amount of your welcome offer will vary, and the good news is that you can see the offer amount before a credit inquiry appears on your credit report.

To see the exact amount of your offer, fill out an application. There’s no requirement to accept the offer, and there’s no credit inquiry at this point. If you like what you see, you can accept the offer, open an account, and only then could your credit report show a new inquiry.