Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
The Business Platinum Card® from American Express and American Express® Business Gold Card now feature a valuable benefit that can significantly change the math on whether either of these business cards is worth it for you.
New and existing cardholders can now take advantage of an annual $300 ChatGPT Business credit for U.S. purchases of business subscriptions (enrollment required; subject to auto-renewal).
This benefit is an ideal fit for businesses with a growing reliance on AI services. That trend is already well underway: According to a May 2025 Amex Trendex survey of 1,108 small businesses in the U.S., half (56%) say their business currently uses AI.
Amex has a habit of adding complicated benefits to its top-tier cards, but this benefit bucks that trend. The credit isn’t split into small monthly or quarterly increments; you simply make an eligible purchase and get the first $300 back in statement credits.
The American Express Business Gold Card maximizes spending with flexible bonus reward categories based on where your business spends the most.
- Earn up to $545 in credits every year for eligible business purchases
- Generous bonus rewards categories with high spending caps
- Earns flexible rewards you can transfer to 20 airline and hotel loyalty programs
- High annual fee
- Statement credit offers are earned on a monthly basis and only apply to specific purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 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.
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
- Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- Terms Apply
- See Rates & Fees
Balance transfer fee
Foreign transaction fee
The Business Platinum Card from American Express is a premium business card loaded with statement credit offers for business services and travel that help justify its steep annual fee.
- Access to 1,550 airport lounges, including Priority Pass (Enrollment required) and Amex Centurion lounges
- Hotel and rental car elite status perks
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs (Enrollment required for select benefits mentioned; Benefits may be subject to auto-renewal)
- High annual fee
- Limited bonus spending categories
- Some statement credit offers are earned in small increments or only apply to purchases from a single brand
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- As High As 300,000 points. Find Out Your Offer. You may be 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.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- See Rates & Fees
How does the Amex ChatGPT credit work?
You earn the new ChatGPT credit when you enroll and make an eligible U.S. ChatGPT Business purchase.
The ChatGPT Business subscription is $25/month per seat for the monthly subscription or $20/month per seat for the annual subscription, and there is a two-seat minimum. That’s $50/month with monthly billing or $480 for an annual subscription.
For anyone who already pays for ChatGPT, this is an easy-to-use rebate. And if you’re new to the service, you could try it out for six months and get all of your monthly subscription fees back.
Who do these Amex Business cards make sense for?
The Amex Business Gold has a $375 annual fee (see rates and fees), and the Amex Business Platinum has a $895 annual fee (see rates and fees). With the new credit, businesses that already pay for ChatGPT will have an even easier time offsetting the card’s annual fee.
Other Amex Business Gold perks
The Amex Business Gold is a strong option for earning Amex Membership Rewards® points on your business spending, as you earn 4X points in the two eligible categories where your business spends the most each month. Those categories are:
- U.S. restaurant purchases (including takeout and delivery)
- U.S. gas station purchases
- U.S. advertising purchases in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software and cloud system providers
- Transit purchases, including trains, ferries, tolls, parking, buses, subways, taxis and rideshare services
- Monthly wireless phone service charges made directly from a service provider in the U.S.
Terms apply
You can also take advantage of over $500 in credits each year for purchases such as shipping, office supplies, Grubhub, Walmart+ and Squarespace.
Other Amex Business Platinum perks
The Amex Business Platinum is ideal for business owners who are also interested in luxury travel benefits.
It offers over $800 in annual credits for services such as Indeed, Adobe, Dell and U.S. wireless phone providers, and you can unlock even more business credits by hitting certain spending thresholds.
But those benefits are only half of the story; you also have access to an equally long list of travel perks. Cardholders can enroll to receive complimentary airport lounge access and elite status with Marriott, Hilton and The Leading Hotels of the World. That’s all on top of over $1,200 in annual credits for hotels, airline fees and CLEAR+.
You’ll need to carefully review the terms for each benefit to determine whether this card’s upfront cost makes sense for you. Even if you only use half of its benefits, you can come out ahead.
Amex business card application rules
The welcome bonuses available with these business cards are variable, so you won’t know your exact offer until you apply. However, you’ll be able to know whether you qualify for an offer before you finalize your application and your credit is pulled.
Amex typically limits you to earning a welcome bonus once per card per lifetime, so if you’ve had the Amex Business Gold or Amex Business Platinum before, you’re unlikely to be eligible for a new bonus. In addition, you’ll need a strong credit score to have reasonable approval odds for both of these cards.
Since these are business cards, you need to have a business — but it doesn’t have to be a full-time endeavor. You may qualify with a side hustle or as an independent contractor. If you’re a sole proprietor, you can typically use your Social Security number as your business tax ID.
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For rates and fees of The Business Platinum® Card from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
*The Business Platinum Card® from American Express Welcome Offer: To view your personalized offer, you must first submit an application. If approved, you will: (1) receive your Welcome Offer details, (2) have the option to accept the Card with that offer, (3) be required to spend $20,000 on eligible purchases within the first 3 months of Card Membership, and (4) earn Membership Rewards® points. Welcome offers vary and you may not be eligible for an offer. If you’re approved and accept your offer, a credit check may be conducted, which could impact your credit score. Terms apply.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.