# 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.

Canonical page: https://cardstack.money/cards/graphite-business-cash-unlimited-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: American Express
- Network: Amex
- Annual fee: $295
- 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.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Flights | Travel Portal Only |
| 5x | Hotels | Travel Portal Only |
| 2x | All other purchases | Base earn rate |

## Other benefits

- **Earn rule**: 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.
- **Earn rule**: 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.
- **Reward Dollars**: Cash back is paid as Reward Dollars redeemable as statement credit or at Amazon.com checkout.
- **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.
- **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.
- **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.
- **Virtual Cards**: Create virtual cards with spending limits, expiration dates, and the ability to change or deactivate cards.
- **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.
- **No foreign transaction fees**: On international purchases in foreign currency on this card.
- **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).
- **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.
- **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.
- **Extended Warranty**: May add up to one year to original U.S. manufacturer warranties of five years or less on eligible purchases; exclusions apply.
- **Global Assist Hotline**: 24/7 coordination and referrals when traveling 100+ miles from home; you pay costs charged by third-party providers.


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CardStack shows you which card to use for each purchase and tracks the points your Graphite Business Cash Unlimited Card earns, so nothing you earn slips away. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863