THE CARDTUNED DATABASE
American Express Graphite Business Cash Unlimited Card
Issuer: American Express
Unlimited 2% cash back on eligible purchases; 5% cash back on eligible flights and prepaid hotels booked through American Express Travel Online
- Annual fee
- $295
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- 17.74%–28.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$1,500 cash back after $50,000 in purchases in the first 6 months
- Spending requirement
- $50,000 in purchases
- Time window
- the first 6 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 2% | Unlimited — cash back on eligible purchases |
| Flights & Hotels | 5% | cash back on eligible flights and prepaid hotels booked through American Express Travel Online |
Additional benefits
• Up to $2,400 One AP statement credits for use in the next calendar year after $250,000 in eligible calendar-year purchases; One AP enrollment, fees and use rules apply
• No foreign transaction fees
• Virtual Card controls for eligible payments
• Pay Over Time may allow eligible charges to be carried with interest, up to the Pay Over Time limit
Restrictions to know
5% requires eligible flights and prepaid hotels booked through American Express Travel Online; overlapping rates receive only the highest eligible rate. One AP credit requires $250,000 in eligible annual purchases and is usable in the following calendar year.
Who can apply
U.S. small-business application
Credit profile: Good–Excellent / issuer underwriting applies