Amex Adds $300 ChatGPT Credit to Business Gold and Platinum Cards — How It Works

American Express is rolling out a new perk that could actually be useful — especially if you’re already using AI tools to run your business.

Beginning today, May 12, eligible Amex business cardholders can get up to $300 back annually toward ChatGPT Business subscriptions, adding yet another credit to the growing list of perks tied to Amex’s premium business cards.

A Closer Look at Amex’s New $300 ChatGPT Credit

Starting today, all new and existing cardholders of the American Express^® Business Gold Card and The Business Platinum Card^® from American Express can receive up to a $300 annual ChatGPT Business statement credit (enrollment required).

ChatGPT Business is OpenAI’s shared AI workspace designed for teams and businesses, providing users with access to advanced AI tools and enterprise-focused features such as admin controls, SSO, usage management, and integrations with internal systems.

This marks the first time a credit tied specifically to ChatGPT Business has been added to a credit card — and it’s another sign that Amex is continuing to lean heavily into subscription-style benefits for its business products.

Based on current pricing, ChatGPT Business currently costs about $300 annually per user, though plans require a minimum of 2 users. That means this credit could effectively offset the cost of 1 user, while businesses would still need to pay for at least 1 additional seat.

For businesses already paying for ChatGPT Business, this should be an easy win. For others, it may be more of a “nice-to-have” perk rather than a reason to sign up.

Amex Continues Adding More Business-Focused Credits

The bigger picture here is that Amex continues stacking more statement credits onto its premium business cards.

For starters, Amex Business Gold cardholders can now receive up to $845 in annual statement credits and benefits. That includes the new $300 ChatGPT Business credit, plus existing perks such as the $150 annual Squarespace credit, up to $155 annually toward a Walmart+ membership, and up to $240 annually in flexible business credits (some benefits require enrollment). The card has a $375 annual fee (rates & fees).

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

Meanwhile, Amex Business Platinum cardholders can unlock more than $4,000 annually in business and travel value through statement credits, hotel and car rental elite status, lounge access, and travel protections.

Some of the card’s most valuable statement credits include up to $1,150 in annual Dell shopping statement credit, up to $600 in prepaid hotel credit, up to $360 in annual Indeed credit, $250 in annual Adobe credit after qualifying purchases, up to $209 in CLEAR+ credit, up to $200 in airline incidental fee credit, up to $200 in annual Hilton credit, up to $120 in annual wireless phone service credit, and a TSA PreCheck or Global Entry fee credit. The card carries a $895 annual fee (rates & fees).

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

 

Read Full Review

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

 

If you consider the wider context, this credit looks more compelling when you factor in the current elevated welcome offer on the Amex Business Platinum card. On its own, $300 back is already covering roughly a third of the $895 annual fee, and that’s before you even take into account the welcome offer.

Amex also confirmed that changes are coming later this year to the Amex Business Gold card’s $240 Flexible Business Credit. Eligible FedEx purchases will continue qualifying through October 1, 2026, while enrolled cardholders will still be able to use the credit at Grubhub and office supply stores.

This latest addition also lines up with what Amex has been hinting at for a while now. The issuer previously surveyed cardholders about adding more business-focused credits tied to services such as Notion, Xero, and LegalZoom, as well as the possibility of annual fee changes.

For some business owners, these credits can provide real value. For others, it may simply feel like another growing list of perks to track throughout the year.

Final Thoughts

The new $300 ChatGPT Business credit fits perfectly into Amex’s broader strategy of adding more niche, subscription-style perks to its premium cards.

If you already use AI tools to help run your business, this could be a genuinely useful addition. If not, it may just become another benefit you have to remember to use. Either way, it’s clear Amex sees AI tools as becoming a much bigger part of how businesses operate — and now it’s officially tying that trend directly into its card lineup.