Amex Graphite Business Cash $2,400 One AP Statement Credits: How It Works and When It Resets (2026)
Quick answer: The Amex Graphite Business Cash $2,400 One AP Statement Credits is worth up to $2,400 a year. It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires. No enrollment is required; eligible purchases are credited automatically.
At a glance
| Card | Amex Graphite Business Cash · American Express · annual fee $295 |
| Value per year | $2,400 |
| Cycle | Annual |
| Resets | January 1 (calendar year) |
| Enrollment | Not required |
| Type | Accumulates up to the cap |
The terms, as catalogued
After spending $250,000 or more in eligible purchases in a calendar year, earn up to $2,400 in statement credits toward Amex One AP (accounts payable platform) monthly fees in the following calendar year. Requires enrollment in One AP auto-renewal.
How not to lose it
Add the Amex Graphite Business Cash to MaxWorth and this credit appears with its annual cycle already set; you get a push before it expires, tap it when you use it, and the card's annual-fee ROI updates. No bank account is ever connected.
Frequently asked questions
When does the $2,400 One AP Statement Credits reset?
It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires.
Do I need to enroll?
No enrollment is required; eligible purchases are credited automatically.
Does unused credit roll over?
No. Like every annual credit, any unused amount expires when the cycle ends.
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; methodology. Spotted an outdated term? Tell us through the app.