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American Express The Business Platinum Card vs Graphite Business Cash Unlimited Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. The Business Platinum Card 2.0% 1x base rate
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Electronics stores

  1. The Business Platinum Card 4.0% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Home improvement

  1. The Business Platinum Card 4.0% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Shipping

  1. The Business Platinum Card 4.0% 2x
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

Hotels · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x
  2. Graphite Business Cash Unlimited Card · American Express Travel 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge The Business Platinum Card $895 and Graphite Business Cash Unlimited Card $295 a year, so a thin lead in one category may not cover the difference.

Where they differ: The Business Platinum Card takes electronics stores, home improvement and shipping. Graphite Business Cash Unlimited Card wins nothing outright in this wallet.

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Pass content preview
CategoryBest card
Everything elseThe Business Platinum Card2.0%
Electronics storesThe Business Platinum Card4.0%
Home improvementThe Business Platinum Card4.0%
ShippingThe Business Platinum Card4.0%
Flights · portalThe Business Platinum Card · American Express Travel10.0%
Hotels · portalThe Business Platinum Card · American Express Travel10.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. The Business Platinum Card — 2.0%
  2. Graphite Business Cash Unlimited Card — 2.0%

Electronics stores

  1. The Business Platinum Card — 4.0%
  2. Graphite Business Cash Unlimited Card — 2.0%

Home improvement

  1. The Business Platinum Card — 4.0%
  2. Graphite Business Cash Unlimited Card — 2.0%

Shipping

  1. The Business Platinum Card — 4.0%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%

Hotels · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
  2. Graphite Business Cash Unlimited Card · American Express Travel — 5.0%
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