Review
American Express Graphite™ Business Cash Unlimited Card Review: Lucrative rewards for high-spending businesses
Looking for a business card with high cash-back potential? The American Express Graphite™ Card offers unlimited 2% cash back on all purchases. But with a $295 annual fee and high spending requirements, is it right for your business?
American Express
Graphite™ Business Cash Unlimited Card
| Annual Fee | $295.00 |
| Sign-up Bonus | $1,500 Cash Back |
| Rewards Rate | 2%-5% Cash Back |
| Regular APR | APR on purchases will be a variable rate, 17.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. |
| Other Fees | Employee Graphite™ Business Cash Unlimited Cards have an annual fee of $95 for the first five Cards and $95 for each Card thereafter. |
Overview
Pros & Cons
What's great
- High rewards rate
- Generous sign-up bonus
- No foreign transaction fees
- Flexible spending power with no preset limit
- Valuable purchase and travel protections
- Advanced business spending management tools
Things to consider
- Annual fee applies
- High spending requirement for the sign-up bonus
- High regular APR
- Fees for additional employee cards
Benefits
Drawbacks
Decision Guidance
Summary
The Graphite Business Cash Unlimited Card presents a mixed bag of features, resulting in a 'Fair' overall rating. Its strengths lie in the unlimited 2% cash back and the absence of foreign transaction fees, which are attractive for high-spending busi...