American Express

Amex Graphite Business Cash

$295/year, earning Cash, on the Amex network.

Card terms last verified against issuer pages on 2026-09-20.

At a glance

The Amex Graphite Business Cash is a $295/year card from American Express earning Cash. It earns 5x on airline (amextravel), 5x on hotel (amextravel) and 2x on everything else. We have no recurring statement credits on file for this card.

Annual fee$295

Base rate2x

Foreign feeNone

Welcome bonus

Earn $1,500 cash back after spending $50,000 in first 6 months — Spend $50,000 on purchases in first 6 months.
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.

What it earns

Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.

Category	Rate	Notes
Airline (AmexTravel)	5x
Hotel (AmexTravel)	5x
Other	2x	Everything else

Credits with a spending requirement

These are real but gated behind a large annual spend, so they are excluded from the $0 figure above.

Credit

Windows in a year

Each

A year

$2,400 One AP Statement Credits needs $250,000 spend After spending $250,000 or more in eligible purchases in a calendar year, earn up to $2,400 in statement credits toward Amex One AP (accounts payable platform) monthly fees in the following calendar year. Requires enrollment in One AP auto-renewal.

Once a year, resets on the calendar year

$2,400

Protections and insurance

Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.

Purchase Protection — Covers eligible purchases against accidental damage or theft for up to 90 days from purchase date. Up to $1,000 per occurrence and $50,000 per calendar year.
Extended Warranty Protection — Extends the original manufacturer's warranty by up to 1 additional year on eligible purchases with warranties of 5 years or less.
Return Protection — If the merchant won't accept a return within 90 days of purchase, Amex may refund the full purchase price (excluding shipping). Up to $300 per item and $1,000 per calendar year.
Car Rental Loss and Damage Insurance — Secondary coverage for damage to or theft of a rental vehicle when the full rental cost is charged to the card and the rental company's damage waiver is declined. Not available in Australia, Italy, or New Zealand.
Cell Phone Protection — Coverage for cell phone damage or theft when you pay your monthly wireless bill with the card.

Questions people ask about the Amex Graphite Business Cash

What is the annual fee on the Amex Graphite Business Cash?

The Amex Graphite Business Cash has a $295 annual fee.

What statement credits does the Amex Graphite Business Cash include?

It carries 0 recurring statement credits worth $0 a year in total: . Verified 2026-09-20.

What does the Amex Graphite Business Cash earn?

5x on airline (amextravel), 5x on hotel (amextravel), 2x on other, and 2x on everything else, in Cash.

Does the Amex Graphite Business Cash charge foreign transaction fees?

No — the Amex Graphite Business Cash has no foreign transaction fee.

Other American Express cards

Amazon Business Prime Card

American Express, no annual fee, Cash

5x WholeFood2x Dining2x Gas 5x everything else

Amex Blue Cash Everyday

American Express, no annual fee, Cash

3x Grocery3x Gas3x Retail Online 1x everything else

$264

a year across 2 credits

Amex Blue Cash Preferred

American Express, $95/year, Cash

6x Grocery6x Streaming Service3x Gas 1x everything else

$120

a year across 1 credits

Amex Business Gold

American Express, $375/year, Membership Rewards Points

3x Airline (AmexTravel)3x Hotel (AmexTravel) 1x everything else

$945

a year across 5 credits

All American Express cards

Verify before you apply. Card terms change without much notice, and issuers vary offers by applicant. Everything on this page was last checked on 2026-09-20 against our card database. The issuer's own terms page is the authority.