How To Use the $300 ChatGPT Business Credit on the Amex Business Platinum Card and Amex Business Gold Card

American Express added a valuable new perk for small business owners who use AI tools.

Cardholders of The Business Platinum Card^® from American Express and the American Express^® Business Gold Card can receive up to $300 in annual statement credits on qualifying ChatGPT Business plan purchases. Enrollment is required.

If you use AI for work — whether that’s writing, brainstorming, research, automation, or team collaboration — this new benefit can help offset a big portion of the cost of a ChatGPT Business plan.

This guide explains how to enroll, how the credit works, and how to maximize the full $300 annual benefit.

Overview of the Amex Business Platinum Card

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.  

As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.74% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

 

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
• Up to $200 annual airline fee credit on your selected qualifying airline
• Generous statement credits on select purchases with your card (including credits for airline incidentals, prepaid hotels, CLEAR, ChatGPT Business, Dell, and Hilton)
• Global Entry or TSA PreCheck application fee credit
• Access to Amex’s Fine Hotels & Resorts program
• Hotel elite status with Hilton, Marriott, and Leading Hotels of the World upon enrollment

 

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

 

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Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

 

Key Benefits of the Amex Business Platinum Card

The Amex Business Platinum card is packed with premium perks and benefits geared toward frequent travelers and growing businesses, offering more than $3,000 in potential annual statement credits and travel perks. Those benefits, even if not maximized to their full value, can easily offset the $895 annual fee (rates & fees).

Businesses can take advantage of strong Membership Rewards earning rates, purchase protections, and various statement credits that help offset business expenses throughout the year, including credits for U.S. purchases at Dell, Indeed, Adobe, wireless services, and the new up to $300 annual ChatGPT Business statement credit.

Cardholders also receive extensive travel benefits, including airport lounge access at Centurion Lounge, Delta Sky Club when flying Delta (up to 10 visits per year with the ability to unlock unlimited visits with spending), and Priority Pass Select membership. Additional valuable travel benefits include up to $600 in prepaid hotel credit, up to $200 in airline fee credits, up to $209 in CLEAR+ credit, Hilton Honors Gold status, and Marriott Bonvoy Gold Elite status. Many of these benefits and credits require prior enrollment.

Overview of the Amex Business Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 200,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$375

APR

17.74% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

Financial Snapshot

• APR: 17.74% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Key Benefits of the Amex Business Gold Card

The Amex Business Gold card is designed for small businesses seeking flexible rewards and practical statement credits, without the ultra-premium annual fee of the Amex Business Platinum card. The card comes with a $375 annual fee (rates & fees).

Cardholders earn 4x Membership Rewards points on the 2 eligible categories where their business spends the most each billing cycle (on up to $150,000 in combined purchases annually), making the card especially valuable for businesses with fluctuating expenses and diverse spending patterns.

In addition to the new up to $300 annual ChatGPT Business statement credit, cardholders also receive up to $240 back annually (up to $20 per month) for eligible purchases at FedEx (through October 1, 2026), Grubhub, and office supply stores (enrollment required). Plus, cardholders get to $155 back annually for a Walmart+ subscription. This amounts to up to $695 in statement credits each calendar year.

The Amex Business Gold card is particularly appealing for entrepreneurs, freelancers, consultants, agencies, and growing businesses that want strong earning potential and practical everyday benefits without paying for premium travel perks they may not fully use.

How To Enroll in the $300 ChatGPT Business Credit

Before you can receive statement credits for a ChatGPT Business plan, you’ll first need to activate the benefit through your American Express online account. Enrollment is required for both the Amex Business Platinum card and the Amex Business Gold card.

To get started, log in to your American Express account online or through the Amex mobile app. From there, select your eligible business card account and navigate to the Rewards & Benefits section. You can typically find this tab near the top navigation menu when viewing your card details.

Once inside the benefits page, scroll down the page through the available offers and statement credits until you find the $300 ChatGPT Business Credit benefit.

After locating the benefit, click the Enroll Now button to activate it on your card. You should receive confirmation that the benefit has been successfully added to your account.

Complete enrollment before purchasing a ChatGPT Business plan, as eligible purchases made before enrollment may not qualify for the statement credit. Once enrolled, eligible U.S. purchases of ChatGPT Business plans can earn up to $300 in statement credits per calendar year.

How To Use the $300 ChatGPT Business Credit

After enrolling in the benefit through American Express, the next step is to sign up for an eligible ChatGPT Business plan using your enrolled card.

To get started, head to chatgpt.com/business. From there, you’ll be able to choose between ChatGPT Business plan options.

For many small businesses, the standard ChatGPT Business plan with Codex access is the most affordable and practical option. Current pricing for the ChatGPT Business plan with Codex plan starts at:

• $25 per user per month when billed monthly
• $20 per user per month when billed annually (a 20% savings)

However, ChatGPT Business requires a minimum of 2 users, so the lowest possible annual plan cost is $480, based on 2 users paying $20 per month each.

With the up to $300 annual ChatGPT Business statement credit, eligible cardholders can effectively reduce that out-of-pocket cost down to roughly $180 annually.

To get the credit, make sure your enrolled Amex Business Platinum card or Amex Business Gold card is selected as the payment method. The eligible statement credit should automatically apply within weeks and appear on your statement, though many cardholders may see it posted sooner than expected.

Why Businesses May Want ChatGPT Business

ChatGPT Business can be a valuable everyday tool. Teams can use it to draft emails, create marketing content, summarize meetings, analyze spreadsheets, brainstorm ideas, and even assist with coding, helping save time and reduce repetitive work.

Unlike the standard consumer version of ChatGPT, ChatGPT Business is built for teams and organizations, with features such as shared workspaces, admin controls, user management, and enhanced privacy protections.

Businesses are seeing real value from AI. According to an Amex Trendex survey, 87% of small business owners using AI say it saves them time, while 73% say it improves employee productivity.

For businesses using AI tools — or considering getting started — the new Amex credit significantly lowers the cost of ChatGPT Business.

Final Thoughts

The new up to $300 ChatGPT Business Credit adds real value to both the Amex Business Platinum card and Amex Business Gold card, especially for small businesses already using — or looking to start using — AI tools.

While ChatGPT Business requires at least 2 users, the new Amex credit can help offset a large portion of the annual cost, making it much more affordable for teams looking to incorporate AI into their daily workflow.