Amex Graphite Business Cash Unlimited

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.

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.

Get up to $2,400 in statement credits to offset American Express One AP monthly fees. To unlock it, spend $250,000 on eligible purchases in the current calendar year; credits are then applied in the following calendar year. Credits apply only to One AP accounts billed to this card.

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.

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.

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.

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.

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.