Amex Graphite Business Cash Unlimited Card vs Chase Sapphire Reserve for Business℠
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Chase Sapphire Reserve for Business℠ | |
|---|---|---|
| Annual fee | $295 | $795 |
| Welcome offer | $1,500 cash back | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 4% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $666 |
| 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 Reserve for Business℠ about $666, 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 Reserve for Business℠ charges $795, but carries about $400 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Amex Graphite Business Cash Unlimited Card delivers more total value, about $534 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Chase Sapphire Reserve for Business℠ 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 Reserve for Business℠ if you will use travel transfers, the Amex Graphite Business Cash Unlimited Card if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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 Chase Sapphire Reserve for Business℠ if your spending leans toward travel.