Graphite Business Cash Unlimited
Credits 1
Every statement credit on this card, how often it comes back and when it resets.
Every year
Up to $2,400 in statement credits, Jan 1–Dec 31 of the following year, toward One AP accounts-payable monthly fees billed to the card.
Condition: After $250,000 in eligible purchases in the prior calendar year
Also included
- No foreign transaction fees
- No preset spending limit / Pay Over Time
- Reward Dollars redeemable as statement credit or at Amazon.com
Before you apply
American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.
One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.
You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.
Never miss one of these credits
Add the Graphite Business Cash Unlimited to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.