American Express Blue Business Cash vs. Graphite Business Cash Unlimited: Which Amex Business Card Is Better?

Step 1: Meet the Cards

American Express offers two popular business cash-back cards: Blue Business Cash and Graphite Business Cash Unlimited. Both have no annual fee and earn rewards on everyday business expenses.

Step 2: Cash Back Comparison

• Blue Business Cash: 2% cash back on the first $50,000 in purchases per year, then 1%.
• Graphite Business Cash Unlimited: 1.5% cash back on all purchases with no cap.

If your business spends less than $50,000 annually, Blue Business Cash is better. For higher spending, Graphite may yield more rewards.

Step 3: Additional Benefits

Both cards offer:

• Welcome bonus (e.g., $250 after meeting spending requirements – terms vary).
• Flexible employee card limits.
• Purchase protection and extended warranty.

Step 4: How to Choose

• If your business spends up to $50,000 per year → Blue Business Cash.
• If spending exceeds $50,000 or you prefer a simple 1.5% rate without tracking limits → Graphite Business Cash Unlimited.

FAQ

Question: Is there an annual fee?
Answer: No, both cards have no annual fee.

Question: Can I get cards for employees?
Answer: Yes, both cards allow issuing additional cards with customizable limits.

Question: How do I get the welcome bonus?
Answer: Typically you need to spend a certain amount in the first 3 months. Terms change, check Amex website for current offer.

Sources

• https://thepointsguy.com/credit-cards/american-express-blue-business-cash-vs-amex-graphite-business-cash/