In This Review

Graphite^™ Business Cash Unlimited Card Review

Last Updated on July 27, 2026

Offer Rating

4 / 5

By Our Content Team

The Graphite^™ Business Cash Unlimited Card, from our partner American Express, delivers straightforward value for businesses that prefer reliable rewards over complicated earning programs.

Editor

01Card Offer

4.0

CompareCredit Score

Terms Apply

4.0

CompareCredit Score

Current Offer
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 and at Amazon.com checkout.

on American Express' secure site

Welcome OfferEarn $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 and at Amazon.com checkout.
Rewards RateEarn unlimited 2% cash back* in Reward Dollars on all eligible purchases. Earn 5% cash back* on flights and prepaid hotel bookings through American Express Travel^® Online. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Extra PerksWith Pay Over Time, you can carry a balance with interest up to your Pay Over Time Limit, allowing you to handle expected and unexpected expenses that come your way.
Annual Fee$295
Credit Score NeededGood, Excellent
Card BrandAMEX

Product Details

Select to apply online
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 and 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.

Select to apply online
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 and 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.

02Pros & Cons

Pros

Earn one of the best flat-rate rewards rates available.
There are no foreign transaction fees with this card.
With Pay Over Time, you can carry a balance with interest up to your Pay Over Time Limit.

Cons

The spend requirement to earn the welcome offer is rather high.
There are other business cards available that offer similar rewards with lower annual fees.

03Why We Like It

Our Expert Review

Editorial Disclosure

Offer Rating

4 / 5

By Our Content Team

Key Benefit

Earn elevated rewards on every eligible purchase made for your business – with no spending caps to worry about.

The Graphite^™ Business Cash Unlimited Card, from our partner American Express, is a compelling option for business owners looking to earn strong, straightforward rewards on everyday spending while maintaining flexibility. Cardholders earn unlimited 2% cash back* in Reward Dollars on all eligible purchases – that means no caps or categories to track. For businesses that spend heavily on travel, you earn 5% cash back* on flights and prepaid hotel bookings through American Express Travel^® Online, helping stretch your travel budget even further. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. New cardholders can also enjoy a substantial welcome offer, earning $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.

Beyond rewards, this card offers flexibility. It has no preset spending limit, which means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Additionally, you can choose from a metal Employee Graphite^™ Business Cash Unlimited Card for a $95 annual fee for the first 5 cards ($95 annual fee for each thereafter), or a plastic Employee Business Expense Card for no annual fee. Altogether, the Graphite^™ Business Cash Unlimited Card stands out as a powerful, flexible tool for businesses that want simple rewards and ultimate purchasing power.

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