Graphite Business Cash Unlimited Card from American Express
$295 annual fee · 2% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Signup bonus: $1,500 back after $50,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- No Preset Spending Limit
- Pay Over Time option with interest on eligible charges
- No foreign transaction fees
- Purchase Protection: up to $1,000 per covered purchase, up to $50,000 per calendar year
- Return Protection: up to $300 per item (excludes shipping/handling), up to $1,000 per calendar year
- Car Rental Loss & Damage Insurance (secondary)
- Extended Warranty: up to 1 additional year on U.S. manufacturer warranties of 5 years or less
- Global Assist Hotline
Does the fee earn out? · how we got this
The $295 fee minus $0 in printed credits leaves $295/yr to earn back through rewards — roughly $14,750 of spending at the base rate. Whether that clears depends on your actual spending.
Is this $295 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.americanexpress.com · www.americanexpress.com · www.americanexpress.com. Spot an error? Tell us.