Interested in a ChatGPT Business Credit? Here’s How These 2 Amex Business Cards Compare

Artificial intelligence tools can be invaluable for business owners in a variety of industries, helping automate everyday tasks and free up time for more important work. Chances are, most businesses are using AI in some capacity, potentially even paying a monthly fee for expanded access.

If a ChatGPT Business subscription is already a line item in your business budget, using a business card that provides statement credits toward an expense you already incur is a no-brainer. For 2026, 2 of American Express’ premium Business Cards offer up to $300 in statement credits each calendar year for eligible U.S. ChatGPT Business purchases on The Business Platinum Card^® from American Express or the American Express^® Business Gold Card after enrollment (subject to auto-renewal).

For many business owners, this is a relatively straightforward credit to use, as it doesn’t require adding a new expense or changing their spending habits. Let’s take a look at the best American Express Business Cards with statement credits that offset the cost of ChatGPT Business.

Overview of Amex Business Cards

The Amex Business Platinum Card and the Amex Business Gold Card are both premium business rewards cards, offering points-earning potential, a variety of useful statement credits (enrollment required), and must-have tools for business owners.

It makes sense, then, that American Express has added a ChatGPT Business Credit to both cards. This benefit complements each card’s lineup of existing credits, many of which are designed to offset common business expenses.

After enrollment, both cards offer up to $300 in statement credits per calendar year for eligible U.S. purchases of ChatGPT Business made on the Amex Business Platinum Card or Amex Business Gold Card (subject to auto-renewal).

While the credit is fairly easy to use, it’s important to know that it’s only valid for U.S. ChatGPT Business plans — not individual ChatGPT memberships.

Overview of ChatGPT Business Plans

ChatGPT Business requires at least 2 users on the plan, but can support a maximum of 1,000 users. It provides expanded access to teamwork and collaboration compared to its standard membership, with a dedicated workspace for brainstorming, research, data analysis, and other day-to-day business needs.

How To Save Up to $300 on ChatGPT Business Annually

The pricing for ChatGPT Business plans differ depending on whether you choose monthly or annual billing:

• Monthly billing plan: $25 per seat
• Annual billing plan: $20 per seat, per month (a 20% savings)

With the required minimum of 2 users, the monthly billing option would be $50 before taxes and fees, or $600 over the course of the year. With annual billing, you’d pay for the full membership cost up front, which comes to $480 before taxes and fees for 2 users.

You can use either the Amex Business Platinum Card or the Amex Business Gold Card to pay for the annual or monthly ChatGPT Business plan. Over the course of a year, though, the annual billing plan provides greater savings despite the upfront cost. With the minimum 2-user plan, you could receive the full up-to-$300 annual statement credit, effectively bringing your out-of-pocket cost down to $180 before taxes and fees.

With monthly billing, eligible $50 monthly payments could be offset by statement credits until you’ve reached the card’s $300 calendar-year maximum. That means either card’s up-to-$300 credit would cover your first 6 months of a 2-user plan membership, while you’d be responsible for the remaining $300 for the last 6 months of the year.

When You Should Choose the Amex Business Platinum Card

Now that we’ve got the mechanics of the credit out of the way, we’ll explain further why a business owner may choose the Amex Business Platinum Card with an $895 annual fee (rates & fees). After all, the up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business provides the same value whether you’re paying on your Amex Business Platinum Card or the Amex Business Gold Card (enrollment required).

The Amex Business Platinum Card is the right choice as a premium travel rewards card, though it still offers an excellent range of business-related benefits to supplement the ChatGPT Business Credit (subject to auto-renewal; terms apply). Here are the main reasons to apply for the Amex Business Platinum Card:

• You want worldwide airport lounge access: Eligible Amex Business Platinum Cardmembers can access more than 1,550 airport lounges through the American Express Global Lounge Collection^®.‡
• You want travel statement credits: 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^®‡ bookings through American Express Travel when you pay with the Business Platinum Card^®. Effective January 1, 2027, Fine Hotels + Resorts^® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.‡ Plus, get the $200 Airline Fee Credit, where you can earn up to $200 per calendar year in statement credits after incidental fees are charged by your one selected qualifying airline to the Card.‡ Terms Apply.
• You want more value for your business: The Amex Business Platinum Card comes with expanded statement credits (enrollment required), including up to $150 for Dell Technologies, up to $360 for Indeed, and up to $120 per calendar year (up to $10 per month) in statement credits for eligible wireless telephone service purchases on the Amex Business Platinum Card made directly from a wireless provider in the U.S.‡ (Effective February 17, 2027, select merchants only. See terms.)

CHATGPT BENEFIT

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

Your Offer Could Be As High As 300,000 points. Apply And Find Out Your Offer. You may be eligible to earn 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.

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

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.99% - 28.74% 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)

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 Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
• 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 01/2026.
• 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. Effective January 1, 2027, Fine Hotels + Resorts^® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
• 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 $219 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. Effective February 17, 2027, select merchants only. See terms.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers¹, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. ¹Effective February 17, 2027, select merchants only. See terms.
• 5X points on flights and prepaid hotels on AmexTravel.com
• NEW: With the Business Platinum Card^® , you receive a complimentary American Express^® ZO Membership from Tishman Speyer. Enjoy access to premium ZO Clubhouses and Lounges in select U.S. cities. Plus, get 4 complimentary day passes per month at U.S. Studio spaces and up to $500 in statement credits each calendar year when you use the Business Platinum Card^® for event space bookings and/or a Dining Club membership.
• 1X points on other eligible purchases
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• Terms Apply.

Financial Snapshot

• APR: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The welcome offer has solid potential: As High As 300,000 Membership Rewards^® points after spending $20,000 on eligible purchases in your first 3 months of Membership. Apply to Find Out Your Welcome Offer. After you apply, you’ll find out your exact welcome offer amount. If approved, you can accept the Card with your offer. Welcome offers vary, and you may not be eligible for an offer. Terms Apply.

Business owners can continue to earn rewards with 5x points‡ on flights, prepaid hotels, and prepaid short-term rentals on AmexTravel.com and 2x points‡ on purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers, U.S. software and cloud system providers, and U.S. shipping providers, as well as on each eligible purchase of $5,000 or more for up to $2 million of these purchases per calendar year (then 1x points).

When You Should Choose the Amex Business Gold Card

The Amex Business Gold Card may appeal to business owners with significant expenses who are more focused on maximizing rewards. It also comes with a lower $375 annual fee (rates & fees), and the ChatGPT Business Credit can help offset a significant portion of that cost if fully utilized (terms apply).

Here are the key benefits of the Amex Business Gold Card:

• You want to earn points where your business spends the most: The Amex Business Gold Card earns 4x Membership Rewards^® points† in the top 2 eligible categories where your business spends the most each billing cycle, on the first $150,000 in combined purchases from these categories each calendar year (then 1x points thereafter). The 4x categories automatically adjust based on your spending each billing cycle and include: purchases at U.S. media providers for online and streaming advertising in select media (online, TV, radio),** U.S. purchases made from electronic goods retailers and software and cloud system providers, U.S. purchases at restaurants (including takeout and delivery), U.S. purchases at gas stations, transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways, and monthly wireless telephone service charges made directly from wireless telephone service providers in the U.S.**†
• You want business-focused statement credits: After enrollment, the Amex Business Gold Card offers up to $20 per month (up to $240 annually) in flexible business credits for eligible U.S. purchases made on the enrolled card with Grubhub, U.S. Office Supply Stores, and shipments at UPS.com.† It also offers up to $155 in statement credits (up to $12.95 monthly plus applicable taxes) for one monthly Walmart+ membership charged to the Card. Membership is subject to auto-renewal,† and up to $150 in statement credits† per calendar year on U.S. purchases of Squarespace on the Business Gold Card.† Enrollment required for select benefits.

**Effective February 17, 2027, select merchants only. See terms.

CHATGPT BENEFIT

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 the top 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 the top 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Your Offer Could Be As High As 200,000 Points. Apply And Find Out Your Offer. You may be eligible to earn 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.

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

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$375

APR

17.99% - 28.74% 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 Grubhub, Office Supply Stores, and shipments at UPS.com. 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 on the Business Gold card. Subscription purchases subject to auto-renewal.
• Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up 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: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The welcome offer provides huge potential for eligible new applicants:

• As High As 200,000 Membership Rewards^® points after spending $15,000 on eligible purchases in your first 3 months of Membership. Apply to Find Out Your Welcome Offer. After you apply, you’ll find out your exact welcome offer amount. If approved, you can accept the Card with your offer. Welcome offers vary, and you may not be eligible for an offer.

Final Thoughts

The Amex Business Platinum Card and the Amex Business Gold Card offer unique ChatGPT Business Credits you won’t find on any other business card. For businesses that already use ChatGPT Business for everyday tasks and brainstorming, the value of this statement credit is hard to overlook.

If you travel frequently, the Amex Business Platinum Card could be a good fit, with premium travel perks such as airport lounge access and 5x points on eligible travel purchases. Meanwhile, the Amex Business Gold Card offers a flexible yet solid return on business expenses, earning 4x points in the top 2 eligible categories where your business spends the most each billing cycle.

‡Business Platinum: Terms and Conditions for all benefits on the American Express Business Platinum Card can be found here: [Benefit Terms].

†Business Gold: Terms and Conditions for all benefits on the American Express Business Gold Card can be found here: [Benefit Terms].