Graphite™ Business Cash Unlimited Card
$1,500 cash back after you spend $50,000 in 6 months. $295 a year.
- Welcome offer
- Issuer's pageamericanexpress.com
“3 Earn $1,500 cash back after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership.”
- Annual fee
- Issuer's pageamericanexpress.com
“Annual Fee: $295 ¤ †”
- Foreign transaction fee
- Issuer's pageamericanexpress.com
“No Foreign Transaction Fees ¤”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$55 | −$55 |
| Typical spender | $305 | $305 |
| Heavy spender | $1,025 | $1,025 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: welcome bonus needs $50,000 in 6 months; not counted: 5x Flights and prepaid hotels booked through American Express Travel Online.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$1,500 cash
After you spend $50,000 on purchases in your first 6 months.
Terms apply.
Spending it takes$8,333 a monthfor 6 months
Tracking sinceSep 29, 2026history will chart every change
How you earn
- 5%Flights and prepaid hotels booked through American Express Travel Online
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pageamericanexpress.com “Annual Fee: $295 ¤ †” |
|---|---|
| Foreign transactions | Issuer's pageamericanexpress.com “No Foreign Transaction Fees ¤” |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires and missing luggage assistance; third-party provider costs are the Card Member's responsibility.
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
- Return protection: Up to $300 per item, up to a maximum of $1,000 per calendar year per Card account
- Rental car
- Extended warranty: Up to one extra year
- Emergency assistance
Questions
- What is the annual fee?
- $295 americanexpress.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. americanexpress.com, since Sep 29, 2026
- Is there a welcome bonus?
- $1,500 cash back after $50,000 in purchases in 6 months. americanexpress.com, since Sep 29, 2026
Other cash back cards with fees up to $300
- Capital One Spark 2% Cash PlusCapital One · $150 a year+$145 a year
- Ink Business Premier(R) Credit Card: Cash BackChase · $195 a year+$100 a year
- Disney Inspire Card from ChaseChase · $149 a yearabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).