Citi Dividend Card vs Amex Graphite Business Cash Unlimited Card

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

Snapshot

	Citi Dividend Card	Amex Graphite Business Cash Unlimited Card
Issuer	Citibank	American Express
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$295.00
Base Rate	1.00%	2.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Grandfathered	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.0% (base)
Quarterly Rotating	5.0%	2.0% (base)
Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	10.99% - 18.99%	12.74% - 21.74%
Cash Advance APR	21.24%	28.74%
Penalty APR	21.49%	29.99%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

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	Citi 8/65	Standard