{{prospectPznInfo | json: spacing}}
American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Customer ServiceLog In
United StatesChange Country
Graphite Business Cash Unlimited Card

UNLIMITED 2% CASH BACK.
IT'S THAT SIMPLE.

Annual Fee: $295¤

GRAPHITE BUSINESS CASH UNLIMITED CARD

Graphite Business Cash Unlimited Card

Annual Fee: $295¤

UNLIMITED 2% CASH BACK.
IT'S THAT SIMPLE.

Know if you're approved with no personal credit score impact

about potential personal and business credit score impacts.

Know if you're approved with no impact on your personal credit score.

1. Submit Your Application

There may be impact to your business credit score when you submit your application.

2. Get a Decision

We'll let you know if you're approved without any impact to your personal credit score.

3. Accept Card

If you're approved and choose to accept the Card, there may be impact to your personal credit score.

This application process does not apply to the Amazon Business Prime Card and Amazon Business Card and may not be available if you leave the page and return later.

Cash Back

Whether you spend $5K, $500K or beyond — earn unlimited 2% cash back.1

2%

CASH BACK

On All Eligible Purchases

Unlimited 2% cash back1 on your eligible purchases.

What's eligible?

5%

CASH BACK

On Flights and Prepaid Hotels

Booked through American Express Travel® Online2.

What's eligible?

2%

CASH BACK

On All Eligible Purchases

Unlimited 2% cash back1 on your eligible purchases.

What's eligible?

5%

CASH BACK

On Flights and Prepaid Hotels

Booked through American Express Travel® Online2.

What's eligible?

  • 1 Cash back is received in the form of Reward Dollars that can be redeemed as statement credit and at Amazon.com checkout.
  • 2 Purchases Eligible for multiple cash back rates will only receive the highest eligible cash back rate.

Find out how much cash back you could earn

How much do you plan to spend per year on your Card?

How much of that will be spent on prepaid flights and hotels booked on American Express Travel® Online?

You could get back:

$0

Cash Back

$1,500

Welcome Offer Cash Back3

$0

First Year Total Cash Back4

First Year Cash BackSubsequent Year Cash Back
2% cash back on purchases1 of $0 per year$0$0
5% cash back on purchases2 of $0 per year$0$0
Welcome Offer earned3$1,500$0
Total Cash Back Earned$0$0

1Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
2Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.

3Earn $1,500 cash back after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Terms apply.
4Cash back is received as long as you pay at least your Minimum Payment Due by your Payment Due Date. The credit to your Card Account may appear during a different billing cycle than the charge for the purchase.

This calculator is intended for illustrative purposes only. Estimated cash back earned is based on the structure and welcome offer of the Card today, and the calculation assumes the same annual spend every year. Actual cash back earnings will vary depending on your actual annual spend on the Card. Account spend limits apply.

Cash Flow Flexibility

The power to buy big, and the power to choose your payment option.

No Preset Spending Limit

No Preset Spending Limit can give you flexibility in ways traditional credit cards don't. The amount you can spend adapts based on factors such as your purchase, payment, and credit history. Rather than having a set limit, you could grow your purchasing power the more you consistently use your Card and regularly make payments.

Pay Over Time

You decide what’s best for your business - pay in full when it makes sense, or pay over time to help manage your cash flow. Eligible charges are automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. You can choose to pay for those charges over time with interest. Any charge - or portion of a charge - not added to your Pay Over Time balance must be paid in full each month.

Pay Over Time

Details

The Pay Over Time feature lets you carry a balance with interest on eligible charges, up to your Pay Over Time Limit.

How it works:

Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit.

You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.

You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.

Business Tools & Services

Explore financial tools and solutions built to support your evolving needs.

Employee Cards

Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits you set. You can earn Cash back on their purchases, and receive real-time alerts to help you know who's spending and where.

The Annual Fee for the Employee GraphiteTM Business Cash Unlimited Card is $95 for the first five Cards and $95 for each Card thereafter. Employee Business Expense Cards that have no Annual Fee are also available. You may add up to 99 total Employee Cards on your account.

Virtual Cards

Virtual Cards offer enhanced control and visibility into your payments. Establish specific controls for each virtual Card payment, including setting spending limits, expiration dates, and changing or deactivating virtual Cards at any time.

$2,400 American Express One AP® Statement Credit

Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees1 after you spend $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card in this calendar year.2 Statement credits will be applied to your monthly bill charged to the Card for our accounts payable solution, One AP.

1 Monthly fees include an auto-renewing platform access fee, transaction fees based on One AP usage, and applicable taxes.
2 Statement credits valid from January 1 through December 31 of the calendar year after the calendar year in which you spend $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card.

American Express One AP®

Benefit Details

American Express One AP®1 is an accounts payable solution that can help transform the way your business pays suppliers. With One AP, you can streamline your supplier invoice payments on a single platform and pay by Virtual Card, check, and ACH.2 Automate and simplify your processes to help reduce manual tasks, save time, and drive efficiencies. Enrollment required.

Business Benefits:

  • Streamline invoice payment processes across multiple payment methods from a single platform.
  • Automate payments to help reduce manual errors and increase your team's productivity.
  • Earn the rewards of your Card when you make Virtual Card payments.3

1 Enrollment required and fees may apply (including an auto-renewing monthly platform access fee). Suppliers must be enrolled and located in the United States. Please contact your American Express® Specialist to learn more.
2 Fees apply for check/ACH (including an auto-renewing monthly platform access fee). No fee for Virtual Cards.
3 Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.

Graphite Business Cash Unlimited Card

Know if you're approved with no personal credit score impact

about potential personal and business credit score impacts.

1. Submit Your Application

There may be impact to your business credit score when you submit your application.

2. Get a Decision

We'll let you know if you're approved without any impact to your personal credit score.

3. Accept Card

If you're approved and choose to accept the Card, there may be impact to your personal credit score.

This application process does not apply to the Amazon Business Prime Card and Amazon Business Card and may not be available if you leave the page and return later.