Graphite™ Business Cash Unlimited Card

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.

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.

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

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.

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.

$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.

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

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.

On international purchases in foreign currency on this card.

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).

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.

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.

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

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