American Express Unveils New Graphite™ Business Cash Unlimited Card, Rewarding Business Owners with Unlimited 2% Cash Back

• Unlimited 2% Cash Back: Earn unlimited 2% cash back on eligible purchases.
• Unlimited 5% Cash Back on American Express Travel^®: Card Members can get more from their travels with 5% cash back on flights and prepaid hotel bookings through Amex Travel^®3.
• Flexible Reward Dollars: Card Members earn cash back in the form of Reward Dollars and can choose how they redeem them, either as a statement credit or at Amazon.com checkout, at a 1:1 rate and with no minimum redemption amount.
• 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: The ability to carry a balance with interest up to the Pay Over Time Limit so Card Members can handle expected or unexpected expenses that come their way.

Integrated Business Tools and Powerful Backing of American Express

With the Graphite™ Business Cash Unlimited Card, Card Members also receive a suite of tools and solutions that help them manage their business finances, including:

• Employee Cards: Card Members can get metal Employee Graphite™ Business Cash Unlimited Cards for $95 per year for the first 5 Cards, and $95 for each thereafter, with the ability to earn Reward Dollars on purchases and receive alerts to help Card Members know who’s spending and where. An Employee Business Expense Card for no annual fee is also available.
• Virtual Cards: Card Members can issue Virtual Cards which offer adjustable spending limits to help control expenses, and unique digital card numbers offer added security.
• $2,400 One AP^® Statement Credit: Card Members canunlock 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.
• Financial Tools: The Graphite™ Business Cash Unlimited Card is integrated with American Express’ suite of small business solutions, including the American Express Business Checking Account and the Business Line of Credit. Subject to eligibility. Deposit accounts offered by American Express, Member FDIC.
• Powerful Backing of American Express: These benefits are backed by American Express’ world-class service and support. American Express has ranked #1 in Card Member Satisfaction among Small Business Credit Card Companies for four years running⁴.

The Graphite™ Card delivers what small businesses say they want in a cash back business credit card. The latest Amex Trendex: Small Business Edition⁵ found that among small businesses who prefer cash back rewards over points or miles, they do so for the ability to use them however they want (30%) and apply them directly to business expenses (26%). When asked what features are most important when picking a financial product for their business, over half of small businesses who prefer cash back agreed that a trusted financial partner (52%) and simple, straightforward rewards (52%) are among the most important.

See here for more information, including terms and conditions, about the American Express Graphite™ Business Cash Unlimited Card.

¹ Based on analysis of AXP Business Card Members with No Preset Spending Limit and with >$100K in annual spend in 2025. Competitor spend based on benchmarking of external sources

² Rates and fees.

³ Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of other cash equivalents, gift cards, person-to-person transactions, or any portion of a purchase that is covered by Reward Dollars at point of sale.

⁴ American Express received the highest score in the J.D. Power 2021-2024 Small Business Credit Card Satisfaction Studies, which measure small business owners’ and decision makers’ satisfaction with their primary credit card they use for their business. Visit jdpower.com/awards for more details.

⁵ This online survey was conducted by The Morning Consult LLC on behalf of American Express between December 12 - 16, 2025 among 1,144 decision makers at small businesses (i.e., fewer than 500 employees). The interviews were conducted online. Results from the full survey have a margin of error of plus or minus 3 percentage points.

ABOUT AMERICAN EXPRESS

American Express (NYSE: AXP) is a global payments and premium lifestyle brand powered by technology. Our colleagues around the world back our customers with differentiated products, services, and experiences that enrich lives and build business success.

Founded in 1850 and headquartered in New York, American Express’ brand is built on trust, security, service, and a rich history of delivering innovation and Membership value for our customers. We seek to provide the world’s best customer experience every day to a broad range of consumers, small and medium-sized businesses, and large corporations, and we build and manage relationships with millions of merchants across our global network.

For more information about American Express, visit americanexpress.com, americanexpress.com/en-us/newsroom/, and ir.americanexpress.com.

Location: U.S.

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