American Express · Business
American Express Graphite Business Cash Unlimited
A $250-a-year business card earning cash back: 5× on Airfare (Portal) and Hotels (Portal), 2× on everything else.
- Annual fee
- $250Charged every year
- Signup bonus
- $1,500Spend $50,000 in purchases on your new Card
- Top rate
- 5×Airfare (Portal), Hotels (Portal)
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $50,000 in purchases on your new Card within the first 6 months of Card Membership | $1,500 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$250 | −$250 |
| NetYear one includes the bonus · at your inputs · our estimates* | $1,250 | −$250 |
The bonus needs $50,000 in purchases on your new Card within the first 6 months of Card Membership.
Earning structure
3 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $5.00 | |
| Hotels (Portal) | 5× | $5.00 | |
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $250
- Card type
- Business
- Network
- American Express
- Bank
- American Express
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits2 · 0 high value
- Earn Perks & Status $2,400 American Express One AP Statement Credit
- Ownership Requirements Employee Cards
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 American Express Graphite Business Cash Unlimited |  American Express Business Green Rewards |  Hilton Honors Business |  Capital One Spark 2% Cash Plus Business | |
|---|---|---|---|---|
| Annual fee | $250 | $95−$155 | $195−$55 | $150−$100 |
| Signup bonus | $1,500 | 15,000 pts | 130,000 pts | $2,000 |
| Top rate | 5×Airfare (Portal), Hotels (Portal) | 2×Airfare (Portal), Hotels (Portal) | 12×Hotels (Portal) | 5×3 categories |
| Travel value * | –Cash back | 1.9¢Membership Rewards | 0.42¢Hilton Honors | –Cash back |
| Why it’s here | This card | Same issuer, at a $95 annual fee; business card | An annual fee within $100; business card | An annual fee within $100; business card |
American Express Business Green Rewards
$95 fee (−$155) · 2× top15,000 pts bonusSame issuer, at a $95 annual fee; business card
Hilton Honors Business
$195 fee (−$55) · 12× top130,000 pts bonusAn annual fee within $100; business card
Capital One Spark 2% Cash Plus Business
$150 fee (−$100) · 5× top$2,000 bonusAn annual fee within $100; business card
RUMORED
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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