Our illustration in the card’s colours, not its design
American Express credit card
Graphite™ Business Cash Unlimited Card
$295 a year.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · americanexpress.com
“Annual Fee: $295 ¤ †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · americanexpress.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$55 | −$55 | |
| Typical spender | $305 | $305 | |
| Heavy spender | $1,025 | $1,025 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 5x Flights and prepaid hotels booked through American Express Travel Online.
−$55a year
The same in the first year and after.
Rewards and credits$240
−$55 after the fee−$295 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$305a year
The same in the first year and after.
Rewards and credits$600
You keep $305−$295 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x Flights and prepaid hotels booked through American Express Travel Online.
$1,025a year
The same in the first year and after.
Rewards and credits$1,320
You keep $1,025−$295 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x Flights and prepaid hotels booked through American Express Travel Online.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
Other cash back cards with fees up to $300
- Capital One Spark 2% Cash PlusCapital One · $150 a year+$145 a year
- Ink Business Premier(R)Chase · $195 a year+$100 a year
- Disney Inspire Card from ChaseChase · $149 a yearabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 5%
- Flights and prepaid hotels booked through American Express Travel Online
- 2%
- Everything else
Cash back, as a share of each purchase.
Benefits
- No foreign transaction fees.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires and missing luggage assistance; third-party provider costs are the Card Member's responsibility.
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
- Return protection: Up to $300 per item, up to a maximum of $1,000 per calendar year per Card account.
- Rental car
All 7 benefits
- Extended warranty
- Emergency assistance
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · americanexpress.com “Annual Fee: $295 ¤ †” |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · americanexpress.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $295 · americanexpress.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · americanexpress.com, since Oct 11, 2026