Amex Graphite Business Cash Unlimited Card vs U.S. Bank Business Altitude® Power Visa Signature®
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | U.S. Bank Business Altitude® Power Visa Signature® | |
|---|---|---|
| Annual fee | $295 | $195 |
| Welcome offer | $1,500 cash back | 75,000 points |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Amex Graphite Business Cash Unlimited Card | U.S. Bank Business Altitude® Power Visa Signature® |
|---|---|---|
| Welcome bonus | $1,500 cash back | 75,000 points |
| To earn it | $50,000 in 6 months | $10,000 in 120 days |
| Est. first-year value* | $2,105 | $1,455 |
| Est. ongoing value / yr* | $605 | $705 |
This one splits by time horizon. In year one the Amex Graphite Business Cash Unlimited Card is ahead by roughly $650, thanks largely to its welcome offer. But the U.S. Bank Business Altitude® Power Visa Signature® earns more every year after, so if you keep it, it overtakes the Amex Graphite Business Cash Unlimited Card after about 8 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Amex Graphite Business Cash Unlimited Card. Planning to keep it for years? The U.S. Bank Business Altitude® Power Visa Signature® pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Amex Graphite Business Cash Unlimited Card | U.S. Bank Business Altitude® Power Visa Signature® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of business spending, the Amex Graphite Business Cash Unlimited Card earns about $900 a year in rewards and the U.S. Bank Business Altitude® Power Visa Signature® about $900, valuing every point at a flat 1 cent. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. The U.S. Bank Business Altitude® Power Visa Signature® charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the U.S. Bank Business Altitude® Power Visa Signature® delivers more total value, about $100 a year more for a typical spender, mostly because it skips the annual fee the other charges. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.