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 receiveup 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
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
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.