Amex Graphite Business Cash Unlimited Card vs British Airways Visa Signature® Card
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | British Airways Visa Signature® Card | |
|---|---|---|
| Annual fee | $295 | $95 |
| Welcome offer | $1,500 cash back | 75,000 Avios |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 3% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $546 |
| Points type | Cash back only | Locked to Avios |
| Network | Amex | Visa |
*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 Amex Graphite Business Cash Unlimited Card earns about $900 a year in rewards and the British Airways Visa Signature® Card about $546, valuing every point at a flat 1 cent. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. The British Airways Visa Signature® Card charges $95, 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 $154 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. Pick the British Airways Visa Signature® Card if your spending leans toward travel.