Graphite Business Cash Unlimited
Amex
Graphite Business Cash Unlimited
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$1,500
Base score: 46
Current $1,500 vs typical $1,500
Net value after annual fee: ~$1,205
Estimate based on our value hints; not financial advice.
Annual Fee
$295/yr
Credit Score
Excellent credit recommended (720+)
Premium business card. Typically requires excellent credit and established business.
Graphite Business Cash Unlimited
Welcome Offer
Earn $1,500 cash back after you spend $50,000 on eligible purchases within the first 6 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Amex lifetime bonus rule
Historically, Amex appears to block welcome bonus eligibility if you've previously earned one on the same card product. This applies per product, not across card families.
Amex credit card soft cap
Amex generally appears to limit revolving credit cards to around 5. Charge cards are evaluated separately and typically don't count.
Amex approval velocity pattern
Community data suggests Amex may limit new approvals to about 1 card per 5 days and 2 credit cards per 90 days. This is not an official Amex policy.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
All purchases
2% cash back
Unlimited, no caps
Amex Travel
5% cash back
Flights + prepaid hotels
Key benefits
Unlimited 2% cash back
On all eligible purchases, no caps or categories to track.
5% on Amex Travel
Flights and prepaid hotels booked through AmexTravel.com.
No preset spending limit
Spending power adapts based on your purchase, payment, and credit history.
Purchase protection
Covers eligible purchases against damage or theft for up to 90 days.
Perks
Return protection
Returns accepted by Amex if merchant won't take them back.
Extended warranty
Up to one extra year on eligible manufacturer warranties.
Car rental insurance
Coverage for damage or theft when renting a car.
Good fit for
About this card
The Amex Graphite Business Cash Unlimited is a premium business cash back card offering unlimited 2% cash back on all purchases and 5% on flights and prepaid hotels booked through Amex Travel. Launched March 25, 2026, it's the first Amex business card focused purely on cash back with no category caps.
Best for
Business owners with substantial spending who want simple, uncapped 2% cash back without managing bonus categories or points transfers.
Key considerations
The $295 annual fee requires approximately $14,750 in annual spending to break even at 2% cash back. No preset spending limit. Amex lifetime language likely applies. Cash back redeemed as statement credits or at Amazon checkout.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
New card — no retention data yet
PhoneN/A
Tip: Card just launched March 2026. Retention offers typically become available after the first annual fee posts.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the Graphite Business Cash Unlimited awards 1,500 cashback after spending $50,000 within 180 days of account opening.
Annual fee value
This card carries a $295 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.
In the first year, the sign-up bonus alone delivers approximately $1,205 in net value after the annual fee.
Application strategy
American Express lifetime language likely applies. If you have previously held the Graphite Business Cash Unlimited and received the welcome bonus, you are generally not eligible to earn the bonus again — even if you closed the card years ago. Make sure this is your first time earning this specific card’s bonus.
Amex limits customers to approximately five revolving credit cards at a time. If you are near this limit, you may need to close an existing Amex credit card before applying. Charge cards do not count toward this limit.
Community data suggests Amex may limit new approvals to 1 card every 5 days and 2 credit cards within 90 days. These are not official Amex policies — approval outcomes may vary. If you recently opened an Amex card, consider spacing out your next application.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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