Amex Graphite Business Cash Unlimited Card vs Brex Corporate Card

Side-by-side comparison of Amex Graphite Business Cash Unlimited Card and Brex Corporate Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Graphite Business Cash Unlimited Card	Brex Corporate Card
Issuer	American Express	Brex
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$295.00	$0.00
Base Rate	2.00%	1.00%
Travel Rewards	0.00x	4.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Travel	5.0%	4.0%
Transit & Rideshare	2.0% (base)	7.0%
Restaurants (with daily payments)	2.0% (base)	3.0%
Streaming	2.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	7 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	12.74% - 21.74%	0% - 0%
Cash Advance APR	28.74%	N/A
Penalty APR	29.99%	N/A
Late Fee	$40	N/A
Balance Transfer Fee	N/A	N/A

Insurance & Protections

Auto Rental	—	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard