Amex Graphite Business Cash Unlimited Benefits, Credits & Annual Fee

• American Express One AP Statement Credit$2400 / yrTrackableMin spend $250,000

  Get up to $2,400 in statement credits to offset American Express One AP monthly fees after you spend $250,000 on eligible purchases in a calendar year. Credits are usable in the next calendar year and apply only to One AP accounts billed to this card.

  Resets: Calendar yearChecked Sep 14, 2026
• American Express Venue Collection Concessions Statement Credit$250 / yrTrackable

  Get 10% back, up to $250 in statement credits per calendar year, on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your Card before buying; only one Card per Card Member can be enrolled. This offer ends December 31, 2026.

  Resets: Calendar yearChecked Oct 1, 2026

Travel Benefits

• Lowest Hotel Rates Guarantee

  The Lowest Hotel Rates Guarantee refunds the price difference if you find a lower qualifying hotel rate online. Book through amextravel.com or the Amex Travel App, then submit the lower rate for review. The comparison must match the room, dates, guests, rate type, and booking policies, before taxes and fees.

  Checked Oct 1, 2026

Rental Car

• Car Rental Loss & Damage Insurance

  Covers damage to or theft of a rental car when you pay for the entire rental with your card and decline the rental company's collision damage waiver (CDW). Coverage is secondary, meaning it kicks in after your personal auto insurance. Rentals in Australia, Italy, and New Zealand are not covered.

  Checked Oct 1, 2026

Bonus Earnings

• 5% Cash Back on Flights and Prepaid Hotels5%

  Earn 5% cash back on flights and prepaid hotel bookings. To get the higher rate, book through American Express Travel Online at americanexpress.com/travel. Travel booked outside that portal earns the standard 2% rate.

  Checked Jul 4, 2026
• Unlimited 2% Cash Back on All Eligible Purchases2%

  Earn 2% cash back on every eligible purchase you make with the card, with no cap on the total cash back you can earn. Cash back is applied as a statement credit automatically. No category restrictions apply.

  Checked Jul 4, 2026

Purchase Protection

• Extended Warranty

  Adds up to one extra year to the original manufacturer's warranty on eligible purchases made with your card. Applies to warranties of five years or less on items purchased in the United States or its territories. Review exclusions, as not all product types qualify.

  Checked Oct 9, 2026
• Purchase Protection

  Eligible purchases are covered against theft or accidental damage for up to 90 days from the purchase date. Pay with your card to activate coverage. Covers up to $1,000 per covered purchase and $50,000 per calendar year.

  Checked Oct 9, 2026
• Return Protection

  Return Protection may refund an eligible purchase when the seller will not accept the return. Buy the item entirely with your Card in the U.S. or its territories, then submit a claim. Refunds exclude shipping and handling and are limited to $300 per item and $1,000 per Card account per calendar year.

  Checked Oct 1, 2026

Concierge & Membership

• Global Assist Hotline

  Get 24/7 access to emergency assistance and coordination services - including medical and legal referrals, emergency cash wires, and missing luggage help - whenever you travel more than 100 miles from home. Call the hotline to be connected to service providers. You're responsible for any costs those third-party providers charge.

  Checked Sep 26, 2026

Entertainment

• American Express Venue Collection

  American Express Venue Collection offers Card Member benefits at participating stadiums and arenas. Use your U.S.-issued American Express Card at participating venues for select events. Available benefits vary by venue and event.

  Checked Oct 1, 2026
• Amex Presale Tickets

  Amex Presale Tickets give you a chance to buy tickets before general sales begin. Use your American Express Card to purchase available seats during the designated presale period. Access applies only to select events and seats.

  Checked Oct 1, 2026
• Amex Reserved Tickets

  Amex Reserved Tickets give you access to purchase seats set aside for American Express Card Members. Use your Card to buy available tickets during the specified purchase period. Only select events and seats qualify.

  Checked Oct 1, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  Pay no foreign transaction fees on purchases made outside the United States with your card. Use your card abroad or for international online purchases without any added fee. This applies to all eligible purchases regardless of currency.

  Checked Jul 4, 2026
• Reward Dollars Redemption at Amazon.com Checkout

  Use Reward Dollars toward eligible items at Amazon.com checkout. Link your Card to your Amazon account and select Reward Dollars as a payment option when available. Redemption applies only to eligible items.

  Checked Oct 1, 2026
• Vendor Pay

  Pay vendors through BILL using your American Express business card. Use it to cover invoices, even for suppliers who don't take cards. Vendor Pay by BILL is available on American Express Business and Corporate Cards, and fees may apply.

  Checked Oct 9, 2026