American ExpressGraphite Business Cash Unli…
3462 450807 56462
VALID THRU 02/31ALEX MORGAN
Business Cards · United States
American Express Graphite Business Cash Unlimited Card
Best for: High-spend businesses wanting simple cash back from Amex
Annual fee$295/yr
IssuerAmerican Express
NetworkAmerican Express
Purchase APRSee issuer
Foreign transaction feeSee issuer
Credit neededGood to Excellent (typical;…
Pros
- Simple uncapped 2%
- Large welcome bonus
Cons
- $295 fee for a flat-rate card
- Very high bonus spend requirement
- Competes with cheaper 2% business cards
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (March 25, 2026). A new Amex business cash-back product launched March 25, 2026.
American Express Graphite Business Cash Unlimited Card at a glance
| Issuer | American Express |
| Card network | American Express |
| Annual fee | $295 |
| Rewards rate | 2% cash back on all purchases; 5% on flights and prepaid hotels via Amex Travel |
| Welcome bonus | $1,500 after $50,000 spend in 6 months (some reported $2,000) |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Credit needed | Good to Excellent (typical; not issuer-stated) |
| Best for | High-spend businesses wanting simple cash back from Amex |
Key features
- Flat 2% business cash back
- Elevated 5% on Amex Travel bookings
- Reported as a charge-style card
Pros
- Simple uncapped 2%
- Large welcome bonus
Cons
- $295 fee for a flat-rate card
- Very high bonus spend requirement
- Competes with cheaper 2% business cards
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: doctorofcredit.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
American ExpressGraphite Business Cash Unli… 3462 450807 56462 VALID THRU 02/31ALEX MORGAN American Express Graphite Business Cash Unlimited CardHigh-spend businesses wanting simple cash back from Amex |
$295/yr | 2% cash back on all purchases; 5% on flights and prepaid hotels via Am… | None | See issuer | Good to Excellent (typical; no… | — |
ChaseInk Business Preferred 4263 7443 8082 4120 VALID THRU 05/30JORDAN TAYLOR Ink Business Preferred Credit CardSmall businesses with ad and travel spend under 5/24 |
$95/yr | 3x on travel, shipping, internet/cable/phone and advertising on social… | None | None | Good to Excellent (700+) | |
ChaseInk Business Unlimited 4757 4397 5841 7382 VALID THRU 01/32JORDAN TAYLOR Ink Business Unlimited Credit CardSimple flat-rate business spend that pairs with a points card |
None | Unlimited 1.5% cash back on all business purchases | 0% intro APR on purchases for 12 months | 3% | Good to Excellent (700+) | |
ChaseInk Business Cash 4231 6785 5639 2646 VALID THRU 10/28MORGAN LEE Ink Business Cash Credit CardBusinesses with office-supply and telecom spend |
None | 5% at office supply stores and on internet/cable/phone (first $25,000/… | 0% intro APR on purchases for 12 months | 3% | Good to Excellent (700+) |
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