American Express · Amex
Graphite Business Cash Unlimited Card from American Express
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$295
up to $2400/yr in credits if you use them
Current welcome offer
$1,500
Current offer shown; issuer determines eligibility.
Spend $50,000 in 6mo
Terms apply.
Base Rate
2x
on everything
Best For
High-spend businesses wanting a flat 2% cash-back card (Amex's first)
Current welcome offer
Bonus: 1,500 cash back
Details: $1,500 cash back after $50,000 spend in first 6 months
Requirement: Spend $50,000 in 6 months
Estimated value: $1,500Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Flights & prepaid hotels via American Express Travel Online
Key Benefits
Credits — if you use them
Statement credits for Amex One AP monthly fees — requires $250,000 in annual spend (usable the following year)
Perks (not counted in our math)
Pros & Cons
Pros
- + Flat 2% unlimited cash back — Amex's first flat-2% business card
- + 5% on flights & prepaid hotels via Amex Travel
- + No preset spending limit
- + $1,500 welcome bonus after $50,000 spend
Cons
- - $295 annual fee with no broadly-usable cash credit to offset it
- - Only bonus category is 5% travel via Amex Travel
- - $50,000 spend requirement for the welcome bonus
- - The $2,400 One AP credit requires $250k annual spend
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.