No Preset Spending Limit

A flexible spending limit can give small business owners the ability to unlock more purchasing power. Unlike a traditional credit card with a set limit, the amount Card Members can spend adapts based on factors such as purchase, payment and credit history.

Pay Over Time

You also have access to Pay Over Time, which gives Card Members the option to carry a balance with interest on eligible charges or pay the balance in full each month, offering Card Members payment and cash flow flexibility.

$2,400 One AP® Statement Credit:

Card Members can unlock up to $2,400 in statement credits for use in the following calendar year on monthly fees for American Express’ accounts payable automation platform One AP® after spending $250,000 on eligible purchases on their Graphite™ Card in a calendar year. Terms apply.

¹ Monthly fees include an auto-renewing platform access fee, transaction fees based on One AP usage, and applicable taxes.

² Statement credits valid from January 1 through December 31 of the calendar year after the calendar year in which you spend $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card.

American Express Venue Collection^™ Concessions Statement Credit

Earn 10% back as a statement credit after using your enrolled eligible Card to make qualifying food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection^™. Limit one enrolled Card per Card Member, up to $250 back in statement credits each calendar year. See terms.

With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase.^*‡

^*American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

As is the case with all American Express Business cards, the line of credit used will not report to your personal credit file unless you are delinquent.

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Terms: This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty.

Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Terms: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Like all American Express cards, you will be eligible to add Amex Offers to your card account for savings on a range of products and services.

Global Assist^® Hotline^‡

Whenever you travel more than 100 miles from home, Global Assist^® Hotline^‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

This card is a metal Card with a carbon fiber-inspired design.