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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited Card American Express Platinum

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 Card

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

  • $200 Annual Amex Travel Credit · $200
  • Car Rental Loss and Damage Insurance · $50
  • No Foreign Transaction Fees · $50
  • $15 Monthly Gas Credit · $15
  • $10 Monthly Wireless Credit · $10
Full American Express Graphite Business Cash Unlimited Card review

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
$1,750
Min spend
$12,000 / 6mo

Top earning rates

  • 5×flights · American Express Membership Rewards
  • 5×hotels · American Express Membership Rewards
  • 1×all other purchases · American Express Membership Rewards

Key benefits

  • Delta Sky Club Access · $325
  • Global Lounge Collection Access · $325
  • Lounge Access: Centurion Lounge · $325
  • Equinox Credit · $300
  • $600 Hotel Credit · $300
Full American Express Platinum 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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