Amex Graphite Business Cash Unlimited Card vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | $295 | No annual fee |
| Welcome offer | $1,500 cash back | $750 cash back |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 3% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $630 |
| Points type | Cash back only | Cash back only |
| 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 U.S. Bank Triple Cash Rewards Business Card about $630, 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 U.S. Bank Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. The two are close on value, but the U.S. Bank Triple Cash Rewards Business Card edges ahead by about $25 a year, mostly because it earns more where you spend most, on office supplies and phone & internet. 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, travel. Pick the U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.