ernd compared for AI spend

The short answer

We make the ernd card, so weigh this page with that in mind. Of the cards we checked, it had the highest stated cash back rate on AI vendor spend: 4% back, with 1.5% on everything else and no annual fee.

Other cards are better at other jobs. Ramp and Brex are full spend platforms, Mercury and Rho put the card next to your bank account, and Amex and Chase have travel points programs. One setup that works is to keep one of them for the business and put AI vendors on the ernd card.

For caps, merchant categories and what $20,000 a month in API bills earns on each card, read our guide to the best credit cards for OpenAI and Anthropic bills.

Side by side

Card	On AI vendor spend	Everything else	Annual fee or plan
ernd card	4% back on AI vendor spend	1.5% back	None
Ramp	Cash back. The card page doesn't state a rate	Same, rate not stated	None
Brex	2x points on recurring software. Brex doesn't say how AI vendors are classed	1x points, more on rideshare, restaurants and Brex travel	Plans from $0 a user a month, Premium $12
Mercury IO	1.5% cash back	1.5% cash back	None
Amex Business Gold	4X points if software and cloud is one of your top 2 categories that billing cycle, on the first $150,000 a year	1X points	$375
Amex Business Platinum	2X points at U.S. software and cloud system providers, on up to $2 million a year	1X points	$895
Chase Ink Business Preferred	1 point per $1. Software isn't one of the 3X categories	1 point per $1, or 3X on shipping, social and search ads, internet, cable and phone, and travel	$95
Slash	Up to 1.5% cash back on Free, up to 2% on Pro	Same	Free $0 a month, Pro $25 a month
Dash.fi	Up to 2% on AI tokens with 1-day terms, or up to 3% with its AI Spend Audit agent. Introductory rates	Up to 1.5% with 1-day terms	None listed. Dash.fi says its platform is free
Rho	1.25% with Daily Terms, 1% with Monthly Terms. Rho Platinum pays 2% with Daily Terms	Same	None

Which card fits which company

• The ernd card suits US companies whose biggest bill is OpenAI, Anthropic or another AI vendor and who want one rate on it, with no categories to track. ernd's partners set their own rates and perks: Wafer gives 10% back on inference, Hopper 8% back and a free first month, Agent 37 4% back, Conifer 6% back, and Superserve and AgentPhone 5% back. Trace's Startup pen test plan is $1,500 instead of $4,000, and Firecrawl doubles usage limits. The card doesn't come with expense software.
• Ramp suits finance teams who care most about expense management, bill pay and spend controls. Its AI Spend Management tracks Anthropic, OpenAI, Gemini and Bedrock spend, and you don't need a Ramp card to use it. Source
• Brex suits companies working across borders. It issues local-currency cards in 50+ countries and has 24/7 support. Source
• Mercury IO suits companies that already bank with Mercury and have a modest AI bill. It pays 1.5% on everything, and it's only for Mercury account holders. Source
• Amex Business Gold suits teams on ChatGPT Business. It gives up to $300 a calendar year in statement credits on U.S. purchases of ChatGPT Business, with enrollment required. Source
• Amex Business Platinum suits companies that travel a lot and value points. You can transfer its Membership Rewards points to airline and hotel partners such as British Airways and Delta, and it carries the same ChatGPT Business credit as Gold. Source
• Chase Ink Business Preferred suits companies with big bills for shipping, advertising on social media and search engines, or travel. Those 3X categories pay off on the first $150,000 of combined purchases each account anniversary year. Source
• Slash suits teams that want unlimited virtual cards and simple cash back: up to 2% on its $25-a-month Pro plan, and up to 1.5% on the free plan. Its list of merchants that earn no cash back includes Microsoft, Amazon and Apple, which matters if you pay for models through Microsoft or Amazon. Source
• Dash.fi suits companies that want to choose their payment terms. It offers 1, 15 or 60 days to pay, and its cash back rates go down as terms get longer. Source
• Rho suits companies that want banking and cards in one place. Its top rate, 2% with Daily Terms, is for Rho Platinum, which needs your payroll, your revenue deposits and at least half your company's assets at Rho. Source

The partners page lists each partner and what cardholders get there, and the home page shows what the card pays back.

One card at a time

Each comparison page below starts with where the other card wins.

• ernd vs Ramp for AI spend. Ramp is a corporate card with a full finance platform around it. ernd is a credit card built around AI bills. Plenty of teams could run both.
• ernd vs Brex for AI spend. Brex is a global corporate card with its own points program. ernd is a credit card built around AI bills, with 4% back on AI vendor spend and 1.5% on everything else.
• ernd vs Mercury for AI spend. Mercury is a financial platform, and its IO card pays 1.5% cash back on everything. ernd is a credit card built around AI bills, so the gap between them is on AI vendors.

Questions

Which business card pays the most back on AI spend?

We make the ernd card, so weigh this answer with that in mind. The ernd card earns a flat 4% back on AI vendor spend, the highest flat cash back rate on AI spend among the cards we checked on November 5, 2026. Dash.fi lists up to 3% on AI tokens as an introductory rate with its audit agent and 1-day terms. Amex Business Gold can earn 4X points on eligible software and cloud purchases when that's one of your top 2 categories, on the first $150,000 a year.

Is the ernd card a replacement for Ramp or Brex?

It doesn't have to be. Ramp and Brex are spend platforms with expense software, and the ernd card is a credit card for the AI stack. You can keep Ramp or Brex for the company and put only your AI vendors on the ernd card.

Does any card give a credit for ChatGPT or Claude?

Amex Business Gold and Business Platinum each give up to $300 a calendar year in statement credits on ChatGPT Business, with enrollment required. We didn't find a card with a credit for Claude. The ernd card pays 4% back on ChatGPT and Claude seats, the same as on other AI vendor spend.

Are OpenAI and Anthropic ernd partners?

No. OpenAI and Anthropic aren't ernd partners and aren't affiliated with ernd. You pay them with the ernd card like any other card. ernd's partners are Wafer, Trace, Hopper, Agent 37, Firecrawl, Superserve, Conifer and AgentPhone.

How do I get the ernd card?

The ernd card is live for US companies, and you can request it at app.ernd.ai. There's no annual fee.