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Introducing The American Express Graphite™ Business Cash Unlimited Card

Made for business owners who value straightforward rewards, flexible spending capacity, and practical tools, all backed by the trusted membership and service of American Express.

Welcome Offer: Earn $1,500 Cash Back. Terms and Spend threshold apply.

Check for pre-qualified offers with no credit score impact [1]. Learn More.
Apply today and earn a welcome offer of $1,500 cash back after you spend $50K in qualifying purchases on your new Card within the first 6 months of Card Membership.

^{[1] Your credit score may be impacted if you submit an application.}

Earning Cash Back is as Simple As Making Your Next Purchase:

• Earn Unlimited 2% Cash Back on all eligible purchases.

• Earn Unlimited 5% Cash Back on Flights and Prepaid Hotels booked through American Express Travel® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.

• With no cap, the cash back can really add up. Find out how much you could earn here.

Your Business Doesn’t Have Preset Limits. Your Spending Shouldn’t Either.

Whatever the needs are for your business, No Preset Spending Limit is designed to help you get it done.
This means the spending limit is flexible. In fact, unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Cash flow is important for every business, so you can choose to pay over time with interest. 

Eligible purchases are automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. You can choose to pay for those purchases over time with interest. Any purchase - or portion of a purchase - not added to your Pay Over Time balance must be paid in full each month.

Using this option can help your business:

• Take advantage of vendor discounts for buying bulk inventory

• Invest in new equipment when the time is right

• Bridge temporary cash flow gaps when you are waiting to get paid

Financial Tools & Solutions That Back the Way You Do Business

• American Express One AP®:  Streamline vendor and supplier payments on a single solution. Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees[2] after you spend $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card in this calendar year. Terms apply.

[2] Monthly fees include an auto-renewing platform access fee.

• Employee Cards: Earn rewards. Set boundaries. Stay up to date. 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'll earn cash back on their purchases, and receive real-time alerts to help you know who’s spending and where. You may add up to 99 total Employee Cards on your account.

• Virtual Cards offer enhanced control and visibility into your payments. Establish specific controls for each Virtual Card payment, including creating budgets or setting spending limits, expiration dates, automatic refill amounts for cards on file, and changing or deactivating Virtual Cards at any time.

Unlock the Powerful Backing of American Express Membership

• No Foreign Transaction Fees: No matter where business takes you, make international purchases without foreign transaction fees on your Graphite™ Business Cash Unlimited Card. For example, you can buy the inventory you want with no foreign transaction fees. Rates & Fees.