Graphite™ Business Cash Unlimited Card card

Graphite™ Business Cash Unlimited Card

Unlimited 2% cash back on eligible purchases, 5% on eligible flights and prepaid hotels via American Express Travel, $295 annual fee.

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Welcome Offer
$1,500 cash back after you spend $50,000 in purchases on your new Card in the first 6 months of Card Membership. Terms apply.
Annual Fee
$295

Earning Rates

5x
Flights
Travel Portal Only
5x
Hotels
Travel Portal Only
2x
All Other Purchases
Base earn rate

Other Benefits

Cash back

5% on Amex Travel flights & prepaid hotels

5% applies only to scheduled flights at AmexTravel.com or the Amex Travel App, AND prepaid hotels via American Express Travel (online or phone). Does NOT include non-prepaid hotels, car rentals, cruises, vacation packages, prepaid flight/hotel packages booked over the phone, or hotel-group reservations — those earn the 2% base rate.

Cash back

2% eligible purchases

2% eligible purchases: goods and services minus returns and other credits. NOT eligible: fees/interest, travelers checks, prepaid card reloads, gift cards, person-to-person transfers, or any portion of a purchase covered by Reward Dollars at point of sale.

Benefit

Reward Dollars

Cash back is paid as Reward Dollars redeemable as statement credit or at Amazon.com checkout.

Card Terms

No Preset Spending Limit

Spending power adapts based on purchase, payment, and credit history rather than a fixed limit; pay-in-full and Pay Over Time rules still apply.

Benefit

Pay Over Time

Eligible charges can be added to a Pay Over Time balance up to your limit and paid over time with interest; charges not added must be paid in full each month.

Card Terms

Employee Cards

$95 annual fee per Employee Graphite Business Cash Unlimited Card (first 5 + each card after); up to 99 Employee Cards per account. No-fee Employee Business Expense Cards also available. Earn cash back on their eligible purchases; set spending limits and receive real-time alerts.

Benefit

Virtual Cards

Create virtual cards with spending limits, expiration dates, and the ability to change or deactivate cards.

Benefit

American Express One AP

Up to $2,400 in statement credits in the FOLLOWING calendar year toward American Express One AP monthly fees (auto-renewing platform access, transaction fees based on usage, and applicable taxes) after spending $250,000 on eligible purchases on the Graphite Card in a calendar year; credits valid Jan 1 – Dec 31 of the next year.

Global

No foreign transaction fees

On international purchases in foreign currency on this card.

Insurance

Purchase Protection

May cover theft or accidental damage to eligible purchases for up to 90 days; up to $1,000 per covered purchase and $50,000 per calendar year (see Guide to Benefits).

Insurance

Return Protection

If a seller won't accept a return, Amex may refund up to $300 per item (max $1,000 per calendar year per account) for eligible U.S. purchases made entirely with the card.

Transportation

Car Rental Loss & Damage Insurance

When you reserve and pay for the entire rental with the card and decline the rental company CDW, secondary coverage may apply for damage or theft in covered territories; not available for all countries or vehicle types; no liability coverage.

Insurance

Extended Warranty

May add up to one year to original U.S. manufacturer warranties of five years or less on eligible purchases; exclusions apply.

Service

Global Assist Hotline

24/7 coordination and referrals when traveling 100+ miles from home; you pay costs charged by third-party providers.

Learn More

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