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All comparisons
Head-to-head, 2026

American Express Business Gold American Express Graphite Business Cash Unlimited Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Business Gold

American Express

Business Gold

Annual fee
$199
Network
amex
Welcome value
$2,000
Min spend
$15,000 / 3mo

Top earning rates

  • 4×Top two select categories · Membership Rewards
  • 3×Travel · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • Employee Cards · $0
  • No Foreign Transaction Fees · $0
Full American Express Business Gold review

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×All other purchases

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Return Protection · $0
  • No Foreign Transaction Fees · $0
  • Pay Over Time · $0
  • Virtual Card Controls · $0
Full American Express Graphite Business Cash Unlimited Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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