# American Express Blue Business Cash vs. Graphite Business Cash Unlimited: Card Comparison

_May 25 16:00_

Tags: American Express Blue Business Cash, Graphite Business Cash Unlimited, American Express, credit card, fee change, award redemption

A side-by-side comparison of Amex's Blue Business Cash and Graphite Business Cash Unlimited cards, detailing annual fees, earning structures, welcome bonuses, and key benefits for business spending

## Summary

The article compares two American Express business credit cards: the Blue Business Cash and the Graphite Business Cash Unlimited. **Blue Business Cash:**
- No annual fee.
- 2% cash back on the first $50,000 in eligible purchases each calendar year, then 1%.
- Cash back appears as an automatic monthly statement credit.
- $250 statement credit after spending $3,000 in the first three months.
- Includes expanded buying power, extended warranty, purchase protection, and secondary car rental insurance. **Graphite Business Cash Unlimited:**
- $295 annual fee.
- 5% cash back on flights and prepaid hotels booked through Amex Travel.
- 2% cash back on all other eligible purchases with no limit.
- Cash back received as Reward Dollars (redeemable as statement credit or at Amazon).
- $1,500 cash back in Reward Dollars after spending $50,000 in the first six months.
- Includes up to $2,400 in annual statement credits on Amex One AP fees after spending $250,000. The piece serves as a guide for business owners to determine which card suits their spending profile, highlighting the trade-off between the no-fee simplicity of Blue Business Cash and the higher rewards/premium benefits of Graphite

## Why it matters

Card-issuer angle via American Express.

## Sources cited

- [The Points Guy](https://thepointsguy.com/credit-cards/american-express-blue-business-cash-vs-amex-graphite-business-cash) — American Express Blue Business Cash vs. Graphite Business Cash Unlimited: Battle of Amex business cash-back cards

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