Amex Graphite Business Cash Unlimited Card vs Chase Sapphire Preferred®
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Chase Sapphire Preferred® | |
|---|---|---|
| Annual fee | $295 | $95 |
| Welcome offer | $1,500 cash back | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $582 |
| Points type | Cash back only | Transfers to airlines & hotels |
| 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 Chase Sapphire Preferred® about $582, 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 Chase Sapphire Preferred® charges $95, but carries about $230 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the Amex Graphite Business Cash Unlimited Card marginally ahead, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Chase Sapphire Preferred® earns points you can move to travel partners for outsized value, while the Amex Graphite Business Cash Unlimited Card pays plain cash back. Favor the Chase Sapphire Preferred® if you will use travel transfers, the Amex Graphite Business Cash Unlimited Card if you want simplicity. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. Note that Chase Sapphire Preferred® is running a limited-time offer above the usual amount, so that edge may not last. 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.