Source: The Points Guy
Summary
The American Express Graphite Business Cash Unlimited Card offers a simple cash-back earning structure, with 5% cash back on flights and prepaid hotels booked through Amex Travel Online and 2% cash back on all other eligible purchases. However, the card struggles to stand out among competitors due to its high annual fee, limited benefits, and steep spending requirement for its welcome offer.
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The Amex Graphite card offers a straightforward cash-back earning structure, but its high annual fee and limited benefits make it a less desirable option for many businesses. The card’s welcome offer requires a steep spending requirement, and its benefits, such as no foreign transaction fees and access to Pay Over Time, are standard across many other cards. For businesses committed to earning cash back with American Express, there may be better options available.
The card’s simplicity is both a blessing and a curse, as it makes it easy to understand but also limits its appeal. The high spending requirement for the welcome offer is a significant drawback, and the card’s benefits are not substantial enough to justify its annual fee.
The Amex Graphite card is a solid option for businesses that value simplicity and are committed to earning cash back with American Express, but it may not be the best choice for many businesses.
Ultimately, the decision to apply for the Amex Graphite card depends on your business’s specific needs and spending habits.
It’s a card that promises a break from complexity, but may not offer enough value to justify its annual fee.
Author: Evan Null
