Small business owners don’t need more to do. They need momentum, with cleaner first drafts, faster analysis, and stronger follow-through at the end of the day on the work that matters.
That’s why American Express is introducing a new Card benefit for Business Platinum and Business Gold Card Members. The $300 ChatGPT Business Credit* is designed to help business owners bring AI-powered productivity into everyday work, without overcomplicating the way their teams operate.
Below is a straightforward guide to what the new benefit is, how it can support your business, and how to get started.
What is the new ChatGPT Business credit?
If you’ve been curious about bringing AI into your business workflow, this benefit may make it easier to start.
Here’s the idea: Starting now, American Express Business Platinum and Business Gold Card Members can enroll in the benefit and receive up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business.*
*Subject to auto-renewal. Terms apply.
A few important details to know up front:
- Enrollment is required before you can make eligible purchases and receive statement credits.
- The benefit is available on Business Platinum and Business Gold Cards.
A productivity tool built to support businesses across industries
ChatGPT Business is designed for work, helping you move projects forward without getting bogged down in the details, and supporting the projects your team takes on.
Here are some practical advantages of ChatGPT Business that small business owners tend to care about most:
Work faster and more efficiently
Think of ChatGPT Business as another way to complete everyday professional operational tasks more quickly. You can use ChatGPT Business to support writing, data analysis, research, and document review, reducing time spent on routine tasks.
Gain access to advanced tools and capabilities
For business owners wearing multiple hats, the value is simple: ChatGPT Business is ready to meet you where you are, whether you’re writing, analyzing, brainstorming, or troubleshooting. This allows employees to dedicate more time to higher-value work while enabling them to move faster from draft to final deliverables.
Enable cross-team collaboration and knowledge sharing
Collaboration is key. A shared, AI-powered workspace for teams can mean improved consistency of messaging across departments, reduced duplication of work, and easier access to internal knowledge.
Manage your workspace with confidence
When AI becomes part of your business, you want to feel confident about how it’s used. ChatGPT Business is designed with administrative and organizational needs in mind. You can provide centralized management of team access, maintain separation between personal and business use, and create a structured workspace for deploying AI tools.
Connect your company tools to support projects
You know work doesn’t happen in one place. ChatGPT Business supports integrations so it can better fit into the systems your team relies on, helping you keep workflows connected rather than creating another silo.
How to enroll and get started
Here’s the typical enrollment flow:
1) Find the benefit
Navigate to the ChatGPT Business Credit tile within your Benefits Dashboard.
2) Accept Terms & Conditions
Review and acknowledge the Terms & Conditions to complete enrollment.
3) Confirm enrollment
You’ll receive enrollment confirmation.
4) Purchase ChatGPT Business
After you’re enrolled, make a purchase of ChatGPT Business on the Business Platinum or Business Gold Card.
5) Receive your statement credit
And that’s it. Statement credits typically post 6-8 weeks from the payment date. You can track your credits (up to $300 per calendar year) using the credit tracker within your Benefits Dashboard.
Already enrolled? Just be sure that your Business Platinum or Business Gold Card is the billing Card on file when making eligible purchases of ChatGPT Business in order to receive your statement credit.
Ready to put AI to work for your business?
Business Platinum or Business Gold Card Members can enroll in the benefit through the Business Platinum Benefits Dashboard or Business Gold Benefits Dashboard.
Not a Card Member?
Explore the Business Platinum and Business Gold Card pages to see the full suite of Card benefits and learn more.
*Terms & Conditions:
ChatGPT Business Credit
Benefit enrollment required. Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card® or Business Gold Card Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. Each Card Account is eligible for up to $300 in statement credits per calendar year. Valid only on purchases of ChatGPT Business made directly with OpenAI in the U.S. and U.S. territories where OpenAI is the merchant of record for the purchase. If ChatGPT Business is renamed, rebranded, or otherwise designated differently by OpenAI at any time, any such change will not affect eligibility for this benefit. ChatGPT Business purchases are subject to auto-renewal. If you purchase an annual subscription, OpenAI will charge you the then-applicable subscription fee and any applicable taxes each year on your annual subscription renewal date until canceled. If you purchase a monthly subscription, OpenAI will charge you the then-applicable subscription fee and any applicable taxes each month on your monthly subscription renewal date until canceled. For more information about OpenAI’s cancellation requirements and deadlines, please visit the OpenAI Help Center. Please allow up to 8 weeks after an eligible purchase is charged to the Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credit(s) has (have) not posted after 8 weeks from the date an eligible purchase is charged to the Card Account. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then the purchase may not contribute toward the statement credit benefit for the benefit period in which the purchase was made. If the Card Member has transferred to a different Card at the time the merchant submits the transaction, the Card Member may not receive the statement credit. American Express relies on accurate transaction data from the merchant to identify eligible purchases. Note that American Express may not receive information about the eligible purchase from the merchant until all items from the eligible purchase have been provided by the merchant. In this case, a purchase would apply toward the statement credit available in the next benefit period. Purchases may fall outside of the benefit period in which the purchase was made in some cases due to a delay in the merchant submitting transactions to us. The statement credit may be reversed if an eligible purchase is returned, refunded, canceled or modified. The statement credit for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies a transaction as eligible for the benefit, the statement credit will not be received. For example, a transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, the statement credit may not be received if a transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, the Card Account must not be canceled or past due at the time of statement credit fulfillment. For additional information, call the number on the back of the Card.
