Amex Graphite Business Cash Unlimited Card vs Citi Double Cash®
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Citi Double Cash® | |
|---|---|---|
| Annual fee | $295 | No annual fee |
| Welcome offer | $1,500 cash back | $200 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 | Pools with Citi → transferable |
| Network | Amex | Mastercard |
*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 Citi Double Cash® about $900, 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 Citi Double Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi Double Cash® delivers more total value, about $295 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Citi Double Cash® 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 Citi Double Cash® 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. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.