$0
Annual fee
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Card reviewAmerican Express
Updated Sep 11, 2026 · research
American Express
Graphite Business Cash Unlimited Card
Graphite Business Cash Unlimited Card has an annual fee of $295 that is not waived for the first year. The card has ongoing purchase APRs from 17.74% to 28.49%. The card has a base earn rate of 2%. The foreign transaction fee is 0%. The welcome offer is $1,500 with a $50,000 spend requirement.
Mid TierBusiness
American Express
$295
Annual fee
5% back flights and prepaid hotels booked through american express travel online
Top rate
None
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
Flights and Prepaid Hotels booked through American Express Travel Online
5%cash back
Booked through American Express Travel Online; highest eligible rate applies if eligible for multiple rates
Flights and Prepaid Hotels Booked through American Express Travel Online
5%cash back
Booked through American Express Travel Online
All Eligible Purchases
2%cash back
Unlimited 2% cash back on eligible purchases
Pros & Cons
Pros
- The foreign transaction fee is 0%.
- The welcome offer is $1,500.
Cons
- The annual fee is $295 and is not waived for the first year.
Key Takeaways
- The card has a base earn rate of 2%.
- The card has ongoing purchase APRs from 17.74% to 28.49%.
- The annual fee is $295 and is not waived for the first year.
- The foreign transaction fee is 0%.
- The welcome offer is $1,500 with a $50,000 spend requirement.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $295 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 17.74% - 28.49%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
8 benefits including 2 hidden gems
Travel Insurance
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee?
The annual fee is $295 and is not waived for the first year.
What is the welcome offer?
The welcome offer is $1,500 with a $50,000 spend requirement.
About This Card
The card is for those considering an annual fee of $295 and a foreign transaction fee of 0%.
Graphite Business Cash Unlimited Card offers unlimited 2% cash back in the form of Reward Dollars on eligible purchases and 5% cash back on flights and prepaid hotels booked through American Express Travel Online. Includes No Preset Spending Limit, Pay Over Time, employee cards, virtual cards, purchase protections, and up to $2,400 in One AP statement credits. Annual fee $295.
The card has a foreign transaction fee of 0%.
Ready to Decide?
Apply for the Graphite Business Cash Unlimited Card
Current offer available with a $295 annual fee.
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Card Categories
BusinessCash backNo Foreign Transaction FeeTravelEveryday spending
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 8 of 8 benefits rated high confidence
- 8 source citations across benefits
- 0 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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