American Express® Blue Cash Preferred vs Amex Graphite Business Cash Unlimited Card
Side-by-side comparison
| American Express® Blue Cash Preferred | Amex Graphite Business Cash Unlimited Card | |
|---|---|---|
| Annual fee | $95 | $295 |
| Welcome offer | $300 statement credit | $1,500 cash back |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 1% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $486 | $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 Cash Preferred earns about $486 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 Cash Preferred charges $95, but carries about $84 in annual statement credits that offset it for anyone who uses them. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Amex Graphite Business Cash Unlimited Card delivers more total value, about $172 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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.
Pick the Amex Graphite Business Cash Unlimited Card if your spending leans toward advertising, shipping, office supplies.