The Amex Graphite Business Cash Unlimited Card, issued by American Express, is a solid choice in the market.

Amex Graphite Business Cash Unlimited Card Payoff Analysis

Amex Graphite® Business Cash Unlimited Card Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

Amex Graphite® Business Cash Unlimited Card
Amex Graphite® Business Cash Unlimited Card
IssuerAmerican Express
NetworkAmerican Express
Card MaterialPlastic
Annual Fee$295.00
Base Rate2.00%
Travel Rewards5.00x
Authorized User Fee$0.00
Foreign Transaction FeeNone
Credit ReportingEx, Eq, Tu
Product LifecycleActive
Minimum Credit LineN/A

Welcome Offer

Bonus1,500 Cash
Spend Requirement$50,000
Timeline180 days
Efficiency Score0.03 pts/$1
Cash Back Value$1,500
Portal Travel Value—
Transfer Estimated Value—

Rewards Breakdown

Base Rate2.00%
Travel5.0%
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR19.49% - 28.49%
Cash Advance Fee5%
Balance Transfer FeeNone
Late Payment FeeUp to $40
Minimum Interest Charge$0.00
Grace Period23 days
Penalty APR36.74%

Official Resources

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceUnverified
Instant UseUnverified

Strategy & Eligibility

Min. Credit Score670+
Recommended RangeGood to Excellent
Chase 5/24 RuleNo
Lifetime RestrictionYes
Active Family RestrictionNo
Closure Grace PeriodNone

Comparisons

See how the Amex Graphite Business Cash Unlimited Card compares to other cards.

Terms and rewards for this card are currently Unverified. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.