Amex Business Platinum & Gold Are Adding a $300 ChatGPT Credit
Aloha ʻohana! If you hold the American Express Business Platinum or Business Gold card, there is a new perk coming your way this spring: a $300 annual statement credit for ChatGPT Business subscriptions. Amex announced this officially on March 25, 2026, calling it the first card benefit in the country tied directly to a ChatGPT subscription.
For Hawaii business owners using these cards to earn Membership Rewards points for travel off-island, anything that lowers the effective annual fee is worth paying attention to. Here is what you need to know.
The Details
Buried inside a much bigger Amex announcement about the launch of their new Graphite Business Cash Unlimited Card and a suite of AI-powered business tools, Amex confirmed that cardholders on the Business Platinum and Business Gold will receive up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business subscriptions. The credit launches sometime this spring, an exact date has not been released. Enrollment will be required, so watch your Amex account for the opt-in notification.
A few things are still unconfirmed: whether the credit will be structured as a single $300 annual reimbursement or broken into $25 monthly chunks, and whether a Business Gold annual fee increase is coming alongside it. Amex surveyed Business Gold cardholders earlier this year about a possible new annual fee of $495, but that has not been officially confirmed. The Business Platinum had its refresh and fee hike in 2025, so another increase there seems less likely near-term.
ChatGPT Business requires a minimum of two users and costs approximately $300 per user per year when billed annually. That means your baseline is at least $600/year for two seats. The $300 Amex credit covers one seat, you are still paying for the second. It is a partial rebate, not a free subscription.
Is This Worth It for You?
- Already paying for ChatGPT Business: This is a clear win. You get $300 back on something you were paying anyway, lowering your effective annual fee.
- Considering ChatGPT Business for your team: The credit brings your net cost down to roughly $300 for two seats annually. That is a fair price point if AI tools make sense for your business.
- No interest in ChatGPT: This credit will go unused. Make sure your other Amex credits, travel, airline incidentals, lounge access, are doing enough work to justify the annual fee on their own.
Do not sign up for ChatGPT Business just yet if you were planning to. Wait until the credit is officially live and you have enrolled through your Amex account, so your first charge qualifies for reimbursement. There is no retroactive credit if you pay before enrolling.
Full benefit terms will be published at americanexpress.com once the credit goes live. We will update HRT as soon as an exact launch date is confirmed.
Not sure which Amex card is right for you?
Join our Ohana Program and we will craft you a personal credit card plan, completely free. Tell us your travel goals and we will match you with the right cards to get there faster.
Join the Ohana Program, It's Free →Honestly, this is a solid-but-not-game-changing perk. If your business already runs ChatGPT Business, enroll the moment it goes live, it is easy money back. But if you were not already paying for it, I would not sign up for a $600/year subscription just to use a $300 credit.
The bigger story to watch is whether the Business Gold annual fee goes up alongside this new credit. That will matter a lot more than the credit itself for most of us running the MR points strategy. I will keep you posted as Amex releases more details. Got questions? Drop a comment below or shoot me a message. Mahalo for reading!
