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Talk Is Cheap(er): Up to $300 ChatGPT Credit Added to the The Business Platinum Card® from American Express and American Express® Business Gold Card

Chris Carley by Chris Carley
May 12, 2026
in Credit Cards
0
Two American Express Cards now offer ChatGPT statement credits

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site.  This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

If you use ChatGPT — or are kicking the tires on trying the AI powerhouse — you might be able to save a substantial amount of money on a ChatGPT subscription.

American Express ChatGPT Statement Credit

The Business Platinum Card® from American Express and American Express® Business Gold Card now each offer members up to $300 in statement credit each calendar year for U.S. purchases of ChatGPT Business subscriptions.

Manual enrollment is required, subscriptions are subject to auto-renewal, and terms apply. The benefit applies to new and current members.

How much does ChatGPT Business cost?

Well, I asked ChatGPT! Here’s what it told me:

OpenAI ChatGPT Pricing currently lists ChatGPT Business at:

  • $20/user/month when billed annually
  • $25/user/month when billed monthly
  • Minimum 2 users

That means:

  • 2 users annually = $40/month billed annually
  • 5 users annually = $100/month
  • 10 users annually = $200/month

Business includes:

  • Shared team workspace
  • Admin controls
  • SAML SSO + MFA
  • Integrations with Slack, Google Drive, GitHub, SharePoint, Atlassian, etc.
  • Business data excluded from model training by default
  • Access to advanced models/tools beyond standard Plus features

For comparison:

  • ChatGPT Plus = $20/month individual
  • ChatGPT Pro = $200/month individual
  • Enterprise = custom pricing via sales

If you hold both the Amex Business Platinum and Amex Business Gold cards, I guess the best play would be to pay monthly. Use one card’s ChatGPT credit until you max out the $300. Then switch to the other’s $300.

In my experience, ChatGPT is great for nuts-and-bolts stuff: facts, objectivity, image creation, and general brainstorming. (It saved the day, helping my wife and me plan our daughter’s karaoke birthday party!) Claude has better writing skills, has a “deeper” personality, and is kind of moody. 🙂

More Value to the Welcome Offers?

Keep in mind both cards just beefed up their welcome offers. The Business Platinum Card® from American Express offers applicants as high as 300,000 bonus Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first three (3) months of being approved for card membership. Welcome offers vary and you may not be eligible for an offer. Terms apply..

Meanwhile, the American Express® Business Gold Card offers as high as 200,000 bonus Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first three (3) months of being approved for card membership. Welcome offers vary and you may not be eligible for an offer. Terms apply..

Final Approach

Amex’s two heavyweight business cards now offer up to $300 in ChatGPT statement credit each year. What do you think about this addition? Does it make either card stronger for you? Will you use the credit?

 

For rates and fees of the American Express® Gold Card, please visit this link.

For rates and fees of The Business Platinum Card® from American Express, please visit this link.

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc., is part of an affiliate sales network and and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site.  This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases or successful applications made during shopping sessions or signups initiated from clicking those links.

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Chris Carley is the owner, editor, and lead writer of Eye of the Flyer (formerly known as Rene's Points).

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The Business Platinum Card® from American Express: You may be eligible for as high as 300,000 bonus Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first three (3) months of being approved for card membership. Welcome offers vary and you may not be eligible for an offer. Terms apply. Plus, enjoy select airport lounge access, statement credit opportunities galore, and more!

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