Amex has quietly slipped a $300 statement‑credit perk onto its two premium business cards, aimed at the ChatGPT Business subscription. The credit refreshes each calendar year and can be applied in a single chunk, whether you pay monthly or annually.
How the credit works
Once you enroll in the benefit on the Amex portal, the credit shows up on your account and can be used to cover the cost of a ChatGPT Business plan. Because the credit is a flat $300, it offsets roughly six months of the service, given the typical $50‑$60 monthly price.
What you need to do
- Log into your Amex online account and activate the ChatGPT Business credit benefit.
- Make sure the payment method on the card you intend to use is set to cover the ChatGPT subscription.
- Choose whether to apply the full $300 at once to an annual subscription or spread it across monthly bills.
Is it worth the card?
If you already pay the annual fee for the Business Platinum or Business Gold card, the credit is a nice, low‑effort rebate on a service you might already be using. The cards themselves carry high fees, so the $300 credit alone won’t justify the expense for most people. It’s a solid add‑on for existing cardholders who need ChatGPT Business for work.
Potential downsides
- Enrollment is mandatory; forget to turn the benefit on and the credit never appears.
- The credit is limited to $300 per calendar year – any spend beyond that is out of pocket.
- Only ChatGPT Business subscriptions qualify; you can’t redirect the credit to other AI services.
Bottom line: The $300 ChatGPT Business credit is a tidy perk for current Business Platinum or Business Gold cardholders, but it doesn’t tip the scales toward taking on a new high‑fee card just for the AI credit.
