Amex Graphite Business Cash Unlimited Card vs Ink Business Cash®
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Ink Business Cash® | |
|---|---|---|
| Annual fee | $295 | No annual fee |
| Welcome offer | $1,500 cash back | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 5% |
| Phone & internet | 2% | 5% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $684 |
| Points type | Cash back only | Pools with Chase → transferable |
| 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 Ink Business Cash® about $684, 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 Ink Business Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Ink Business Cash® delivers more total value, about $79 a year more for a typical spender, mostly because it earns more where you spend most, on office supplies and phone & internet. The bigger difference is the ceiling: the Ink Business 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 Ink Business 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. Note that Ink Business Cash® 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, travel. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.