If your business is already leaning on AI — for writing, coding, or just keeping up with industry trends — The Business Platinum Card® from American Express might’ve just gotten much more interesting.
The card recently added a $300 annual credit for ChatGPT Business subscriptions (terms apply; enrollment is required). That’s the first time any card, to my knowledge, has offered such a generous AI-related perk. It probably won’t be the last — but for now, Amex Business Platinum Card holders are first in line.
Pair that with one of the highest welcome bonus offers on any card, and the Amex Business Platinum Card is worth a hard look right now. Apply and find out if you are 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. Terms apply. Here’s what’s new, and how to know if it’s right for you.
The new ChatGPT Business credit: Save $300 a year
Right now, new and existing cardholders can get up to $300 back per calendar year on U.S. purchases of ChatGPT Business subscriptions. Terms apply; enrollment is required, and eligible purchases need to be made directly with OpenAI. Purchases through a third party or electronic wallet won’t qualify.
Unlike some Amex credits that trickle out in monthly or quarterly installments, this one isn’t divvied up. Just put it toward an annual ChatGPT Business plan in one fell swoop, which is the more cost-effective way to go anyway.
ChatGPT Business costs $20 per user per month when billed annually, or $25 per user per month on a monthly plan. You’ll pay out of pocket for additional users, though for a small team that gets real value out of AI, the math can still work in your favor.
What do you get with ChatGPT Business? Good question:
- Data privacy: Your data isn’t used to train ChatGPT models by default
- Shared workspace: Teams can access shared documents, projects, and more from one place
- Advanced AI models: Unlimited access to GPT-5 and future advanced models
If your team already uses ChatGPT for writing, research, or client work, the Amex Business Platinum Card turns an existing line item into a covered expense. And if you’ve been curious about ChatGPT Business but haven’t pulled the trigger, now’s a great time to try it.
Plus: Earn as high as 300,000 points
A snazzy new credit isn’t the only reason to check this card out today. Apply and find out if you are 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. Terms apply.
At a conservative estimated valuation of $0.01 per point, that’s a bonus worth up to $3,000 in rewards, and potentially more if you’re transferring to airline or hotel partners. The spending requirement will be tough to hit, but that’s easily one of the strongest business card bonuses available now — or any time.
Other perks can help you save $4,000 a year
The ChatGPT credit joins a lineup of perks that adds up to $4,000+ in annual value. For an $895 annual fee (see rates and fees), you’ll also get:
- Up to $600 a year in hotel credits (The Hotel Collection requires a minimum two-night stay)
- Up to $360 a year in Indeed credits
- A $250 annual Adobe credit
- Up to $209 a year in CLEAR+ credits
- Up to $200 a year in Hilton credits
- Up to $200 a year in airline fee credits
- Up to $150 a year in Dell credits, plus an additional $1,000 statement credit if you spend $5,000 or more at Dell in a calendar year
- Up to $120 a year in credits for wireless phone services
- Terms apply; enrollment may be required
You’re unlikely to use every single one of these perks — but you won’t need to. If you’re actively getting value from just a handful of them, you’ve likely covered the annual fee and then some.
The new ChatGPT credit just makes it a little easier to get there.
For more great options, check out our picks for the best business credit cards available today to start saving.