MoneyMar 28, 2026
Amex All-New Graphite Business Cash Card — Where Does It Stack Up in the Busy Business Card Space?
Corporate Spending
Noah Weidner
Discover
With all the buzz around recent card refreshes — the American Express Platinum Card, the Chase Sapphire Reserve, and the Cardless Bilt Credit Card — it’s easy to forget there’s a whole world beyond consumer credit. Some of the names might even look familiar; there are business versions of the Amex Plat, CSR, and other well-known consumer cards. But every once in a while, a major card issuer launches a completely new product — some are definitely more interesting than others.
Amex’s new business pitch: American Express just launched its 13th business product in the US, the Graphite Business Cash Unlimited Card. It boasts unlimited 2% cash back on purchases and 5% cash back on American Express Travel Online. But with a $295 annual fee, the value prop that would actually sell this card is… pretty niche. While some business cards can be pretty useful, this one feels like it’s designed for people looking to get a discount on one very specific Amex software product.
Although Amex’s latest launch might appeal to users of this niche software, the business credit card market is just as competitive as the consumer side. Odds are, Amex’s new card will face its share of competition.
Just like consumer cards: We don’t often dive into business cards here at The Average Joe, but even though they’re called “Business Cards,” you can apply for them for any reason — side hustle, small business, or other ventures. To that end, exploring business cards for bonuses or even diverting credit spending away from your personal utilization might not be the worst idea.
