American Express Blue Business Cash Card vs Amex Graphite Business Cash Unlimited Card
Side-by-side comparison
| American Express Blue Business Cash Card | Amex Graphite Business Cash Unlimited Card | |
|---|---|---|
| Annual fee | No annual fee | $295 |
| Welcome offer | $250 statement credit | $1,500 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express Blue Business Cash Card earns about $900 a year in rewards and the Amex Graphite Business Cash Unlimited Card about $900, valuing every point at a flat 1 cent. The American Express Blue Business Cash Card has no annual fee, so its rewards are all profit. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the American Express Blue Business Cash Card delivers more total value, about $295 a year more for a typical spender, mostly because it skips the annual fee the other charges. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.