Amex Graphite Business Cash Unlimited Card vs United℠ Business Card
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | United℠ Business Card | |
|---|---|---|
| Annual fee | $295 | $150 |
| Welcome offer | $1,500 cash back | 100,000 miles |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $570 |
| Points type | Cash back only | Locked to United MileagePlus |
| 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 United℠ Business Card about $570, 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 United℠ Business Card charges $150, 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 $185 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, phone & internet.