American Express has introduced a new benefit for select business cardholders: statement credits for ChatGPT Business subscriptions. The perk is available to eligible cardmembers of The Business Platinum Card® from American Express and the American Express® Business Gold Card — it is not offered on the personal versions of these cards or on other Amex business products.
What the benefit covers
Cardholders can receive up to $300 in statement credits per calendar year on qualifying U.S. purchases of ChatGPT Business subscriptions. Enrollment is required, and credits apply to purchases that are subject to auto‑renewal. This is the first widely reported AI‑focused statement credit on a credit card, aimed at businesses using generative AI tools in their workflows.
Which Amex cards are eligible
– The Business Platinum Card from American Express (a Membership Rewards‑earning business card with a premium annual fee). The card carries an annual fee of $895.
– American Express Business Gold Card (also Membership Rewards‑earning), with a $375 annual fee.
Both cards frequently come with high-value welcome offers for new cardmembers; details and eligibility vary by applicant.
About ChatGPT Business
ChatGPT Business is a paid tier of OpenAI’s ChatGPT designed for teams. The standard price is $20 per user per month. The platform offers features tailored to business use, including:
– Unlimited core chat access
– Dozens of app integrations (for example: GitHub, Google Drive, SharePoint, Slack)
– Business‑grade privacy and security controls
– Controls ensuring the model is not trained on a company’s data
– Flexible plan sizing and the ability to add optional usage credits
Why this matters
For companies already using or experimenting with AI, the credit can help offset or fully cover the cost of a ChatGPT Business seat for several users over a year. For Business Gold cardmembers, the up‑to‑$300 credit nearly offsets that card’s $375 annual fee if you use the full amount; Business Platinum cardmembers get the credit in addition to the card’s existing premium travel and business benefits.
Bottom line
Amex’s new statement credit makes two of its top business cards more valuable for small business owners and teams adopting AI tools. Cardmembers interested in the benefit should enroll where required, confirm that qualifying purchases are made in the U.S. and set to auto‑renew, and review each card’s full terms, rates and fees before applying.