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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited Card American Express Marriott Bonvoy Brilliant

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

Lower annual fee: American Express Graphite Business Cash Unlimited CardBigger welcome offer: American Express Graphite Business Cash Unlimited Card

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
$1,500
Min spend
$50,000 / 6mo

Top earning rates

  • 5×Flights and Prepaid Hotels
  • 2×Eligible 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

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
$800
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy® · Marriott Bonvoy
  • 3×Restaurants worldwide · Marriott Bonvoy
  • 3×Flights booked directly with airlines · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Free Night Award · $638
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant 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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