American Express
Graphite Business Cash Unlimited Card
Graphite Business Cash Unlimited Card costs $295 annual fee and earns up to 2× on everyday spending. It also carries $2,400 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Graphite Business Cash Unlimited Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $295 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- $1500
- Credits a year
- $2,400
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Graphite Business Cash Unlimited Card earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Flights through the issuer's travel site
5×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Flights through the issuer's travel site | 5× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Graphite Business Cash Unlimited Card right for you?
Enter a typical month. You will see what the Graphite Business Cash Unlimited Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Capital One Spark Cash Top for your numbers
1× everything else. $95 annual fee.
Rewards $502 · Fee −$95
+$407
+$352
+$307
+$207
How we estimate
- Every rate on this page comes from the card catalog. Graphite Business Cash Unlimited Card pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"graphite-business-cash-unlimited","name":"Graphite Business Cash Unlimited Card","fee":295,"cpp":0.01,"base":2,"credits":2400},{"key":"chase-ink-business-premier","name":"Chase Ink Business Premier","fee":195,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash-plus","name":"Capital One Spark Cash Plus","fee":150,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash","name":"Capital One Spark Cash","fee":95,"cpp":0.01,"base":2}]}What comes with it
Welcome bonus
$1500
Points and partners
Cash Back
Transferable to airline and hotel partners.
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| American Express One AP statement credit Conditional benefit. Requires 250,000 dollars of eligible purchases on this card in a calendar year; the credits are applied to the following calendar year and apply to American Express One AP monthly fees. Treat as zero unless that spend is met. | $2,400 | $2,400 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked americanexpress.com 2026-10-05. Earns unlimited 2 percent cash back on all eligible purchases with no cap, and 5 percent cash back on flights and prepaid hotels booked through American Express Travel online; where a purchase qualifies for more than one rate Amex applies only the highest rate, which is why the 5 percent travel rate does not stack with the 2 percent base. Welcome offer verified as 1,500 dollars of cash back after 50,000 dollars of purchases within the first 6 months of card membership. No foreign transaction fee, stated explicitly by Amex; ForeignTransactionFee is null to match this catalog's convention for no-FTX cards. The 2,400 dollar One AP credit is modelled in ExtraCredits as a conditional benefit because it requires 250,000 dollars of prior-year spend. Unverified: whether an introductory annual fee waiver applies, and any targeted or 'as high as' variant of the welcome offer. CentPerPoint 1.0 is the catalog's standard cash-back valuation.
FAQ
The Graphite Business Cash Unlimited Card charges $295 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. It also carries $2,400 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $1500, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
Yes. It earns Cash Back, which you can transfer to the partners below. Transfers are what make a 1¢ valuation reachable; using the points for cash back is worth far less.
No. The Graphite Business Cash Unlimited Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.