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

Flights

  1. The Platinum Card 10.0% 5x, capped
  2. Graphite Business Cash Unlimited Card 2.0% 2% base rate

Flights · portal

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

Hotels · portal

  1. The 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 Platinum Card's 5x on flights runs out: it applies to the first $500,000 of flights spend a year, and everything past that earns 1x.

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

Where they differ: The Platinum Card takes flights. Graphite Business Cash Unlimited Card wins nothing outright in this wallet.

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Pass content preview
CategoryBest card
Everything elseGraphite Business Cash Unlimited Card2.0%
FlightsThe Platinum Card10.0%
Flights · portalThe Platinum Card · American Express Travel10.0%
Hotels · portalThe 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. Graphite Business Cash Unlimited Card — 2.0%
  2. The Platinum Card — 2.0%

Flights

  1. The Platinum Card — 10.0%
  2. Graphite Business Cash Unlimited Card — 2.0%

Flights · portal

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

Hotels · portal

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