Graphite Business Cash Unlimited Card from American Express

American Express · Credit card · Business

3.0 Debt Sunset rating vs. other business cards

Flat 2% cash back for businesses, with 5% on flights and prepaid hotels through Amex Travel.

Rates, fees and offers

Regular APR: See Amex rates & fees.
Annual fee: $295
Promo offers: None currently advertised
Balance transfer fee: See issuer terms
Rewards: Unlimited 2% cash back (Reward Dollars) on eligible purchases; 5% on flights and prepaid hotels booked through Amex Travel.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

The $295 fee means you need about $15,000 a year in spending before it beats a no-fee 2% card. A business card: you are usually personally liable, and some consumer protections (like the CARD Act's rate-increase rules) may not apply.

Paying and contacting American Express

Pay online: global.americanexpress.com
Customer service: 1-800-528-4800 · 24/7
Pay by mail: American Express
P.O. Box 96001
Los Angeles, CA 90096-8000

Overnight: American Express, Attn: Express Mail Remittance Processing, 20500 Belshaw Ave, Carson, CA 90746

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
Billing disputes: American Express Customer Service
P.O. Box 981535
El Paso, TX 79998-1535

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