Best credit cards for OpenAI and Anthropic bills (2026)

Which card pays the most on OpenAI and Anthropic bills?

We make one of the cards on this page, so here’s the conflict up front. On API usage, the ernd card had the highest stated cash back rate on AI spend of the cards we checked. It pays 4% back on AI vendor spend, OpenAI and Anthropic included, and 1.5% on everything else, with no annual fee.

Seats are where that changes. Amex Business Gold and Business Platinum will each credit you up to $300 a calendar year for ChatGPT Business, as long as you bought it directly from OpenAI. We didn’t find a credit like that anywhere else, and no card had one for Claude.

And if what you really want is expense software and spend controls for the whole team, a card alone won’t do it. Ramp and Brex are built for that job.

How do the cards compare?

We read each issuer’s own page on November 5, 2026, and every rate below is what it said that day. Points cards stay in points here. What a point is worth depends on how you end up redeeming it, and we’d only be guessing.

Card	On AI and API bills	Everywhere else	Annual fee
ernd card	4% back on AI vendor spend, such as OpenAI and Anthropic	1.5% back	None
Amex Business Gold	4X points when software and cloud is one of your top 2 categories that billing cycle	1X points	$375
Amex Business Platinum	2X points at U.S. software and cloud system providers	1X points	$895
Amex Blue Business Plus	2X points	2X points	$0
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
Bank of America Business Advantage Customized Cash Rewards	3% cash back if you choose computer services as your category. BofA doesn’t say whether AI vendors code there	1%, or 2% on dining	$0
U.S. Bank Triple Cash Rewards Business	1% cash back. Software isn’t a 3% category	1%, or 3% at gas and EV charging, office supply stores, cell phone providers and restaurants	$0
Brex	2x points on recurring software, or 3x for software companies on daily payments. Brex doesn’t say how AI vendors are classed (multipliers)	1x points, more on rideshare, restaurants and Brex travel	Plans from $0 a user a month, Premium $12 (pricing)
Ramp	Cash back. The card page doesn’t state a rate	Same, rate not stated	None
Slash	Up to 1.5% cash back on Free, up to 2% on Pro	Same	Free $0, Pro $25 a month (pricing)
Mercury IO	1.5% cash back	1.5% cash back	None
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 calls its platform free
Rho	1.25% with Daily Terms, 1% with Monthly Terms. Rho Platinum pays 2% and 1.75%	Same	$0, per Rho’s card page

The fine print matters as much as the rate. Here are the caps, exclusions and AI perks for the same cards.

Card	Caps and exclusions	AI perks
ernd card	Rewards are points, redeemable as cash back	10% back at Wafer (open-model inference), 8% back at Hopper on API credits plus a free first month, 4% back at Agent 37 (agent sandboxes), 6% back at Conifer, and 5% back at Superserve and AgentPhone. Trace’s Startup pen test plan is $1,500 instead of $4,000, 62% off. Firecrawl gives 2x usage limits. Hopper, Agent 37 and Trace pay ernd for their listing
Amex Business Gold	4X on the first $150,000 of combined top-2 purchases a calendar year, then 1X. Software must be bought directly from a U.S. software or cloud provider. App purchases through aggregator platforms don’t count (Amex category rules)	Up to $300 a calendar year in statement credits on ChatGPT Business, enrollment required (benefit terms)
Amex Business Platinum	2X on up to $2 million of 2X-category purchases a calendar year. Same direct-purchase rule as Gold	Up to $300 a calendar year in ChatGPT Business credits, enrollment required
Amex Blue Business Plus	2X on the first $50,000 a calendar year, then 1X	None listed
Chase Ink Business Preferred	3X on the first $150,000 across the 3X categories each account anniversary year	None listed
Bank of America Customized Cash	3% and 2% cover the first $50,000 of combined choice-category and dining purchases a calendar year, then 1%	None listed
U.S. Bank Triple Cash Rewards Business	Rewards expire after 12 statement cycles with no activity	$100 statement credit per 12-month period after 11 consecutive months of software purchases made directly with a software provider
Brex	Points are earned on USD spend with US-based merchants	Lists OpenAI among its partner discounts. The offer terms aren’t on the page
Ramp	Not stated on the card page	AI Spend Management tracks Anthropic, OpenAI, Gemini and Bedrock spend, with no Ramp card required (AI Spend Management)
Slash	No cap. No cash back on purchases from non-U.S. merchants or in foreign currency, or at merchants such as Microsoft, Amazon and Apple	None listed
Mercury IO	Only for Mercury account holders	None listed
Dash.fi	Rates are maximums and depend on account and approval. They drop with longer payment terms, and 60-day terms trade the cash back for time to pay at no fee	AI Spend Audit agent, in beta
Rho	Cash back on up to $1,000,000 of spend a calendar year. Platinum needs your payroll, revenue and at least half your assets at Rho	None listed

Put the two tables side by side and three cards build a higher rate for software or AI into the card itself. Those are Amex, Dash.fi and ernd, and Amex pays its bonus in points. Brex might make four, if it classes your vendors as recurring software. Bank of America’s 3% is a choice category that hangs on a merchant code you won’t see until a statement shows up. The rest pay a flat rate (2% at most) or save their bonus categories for things like ads and gas.

What does $20,000 a month in API bills earn?

Picture $20,000 a month of OpenAI and Anthropic API usage on one card, and nothing else on it. Over a year that’s $240,000. Here’s what each card’s stated rates earn on it, before any annual fee.

Card	What $240,000 a year earns	Condition
ernd card	$9,600 back	Earned as points, redeemable as cash back
Dash.fi	Up to $7,200	With the AI Spend Audit agent and 1-day terms. Up to $4,800 without the agent
Slash Pro	Up to $4,800, less $300 in plan fees	Up to 2%
Rho Platinum	$4,800	Payroll, revenue and half your assets at Rho. $3,000 at the standard 1.25%
Mercury IO	$3,600	None
Bank of America Customized Cash	$3,400	Only if your AI vendors code as computer services. 3% on the first $50,000, then 1%
Amex Business Gold	690,000 points	Only if your AI charges code as software and cloud and it’s a top-2 category. 4X on $150,000, 1X on the other $90,000
Brex	480,000 points	Only if your AI charges count as recurring software
Amex Blue Business Plus	290,000 points	2X on the first $50,000, then 1X
Chase Ink Business Preferred	240,000 points	None

We left the points rows as points on purpose. Brex and Chase both say on their own pages that a point’s value depends on how you redeem it, so a dollar figure would mean guessing at redemption value, and we’d rather not. That said, Amex Business Gold can win at this size if you value Membership Rewards points highly and would use the ChatGPT Business credit anyway. Smaller bills change the math. Under about $50,000 a year, the caps on Amex Blue Business Plus and on Bank of America’s 3% never come into play, and neither card has an annual fee.

Who is each card best for?

ernd card

We built it for US companies whose biggest bill is OpenAI, Anthropic or another AI vendor, and who want one rate on that bill with no categories to track and no annual fee. If you already pay Wafer, Trace, Hopper, Agent 37, Firecrawl, Superserve, Conifer or AgentPhone, the partner benefits come on top. It doesn’t come with expense software. And it’s a new card, without the long track record the big issuers have.

Amex Business Gold

If your team is on ChatGPT Business and already collects Membership Rewards, this is the one we’d look at first. Its credit of up to $300 a year, with enrollment and a direct purchase from OpenAI, is hard to beat on the seat bill. We wouldn’t count on the 4X, though. Software and cloud has to be one of your top two categories that billing cycle, the bonus stops at $150,000 a year, and the card costs $375 a year.

Amex Business Platinum

At $895 a year, it’s hard to justify for AI alone. You get 2X at U.S. software and cloud system providers, which may or may not include your AI vendors, and the same ChatGPT Business credit as Gold. It really makes sense if you want it for travel.

Amex Blue Business Plus

Fine for a small AI bill if you like points and don’t want a fee. Everything earns 2X up to $50,000 in a year.

Chase Ink Business Preferred

Its 3X goes to ads, shipping and travel, so it suits companies that spend heavily there. Software earns 1 point per dollar. We wouldn’t put the AI bill on it.

Bank of America Business Advantage Customized Cash Rewards

This can work for AI bills under $50,000 a year, if your vendors code as computer services. Run one month on it and read the statement before you count on the 3%.

U.S. Bank Triple Cash Rewards Business

The draw is the $100 statement credit, paid each 12-month period after 11 months in a row of software bought directly from a provider. The AI usage itself only earns 1%.

Brex

Go with Brex if you want a full spend platform with points attached. Whether your AI bills get 2x comes down to Brex treating them as recurring software.

Ramp

Ramp is for finance teams who care more about policies and tracking than the rate. Its AI Spend Management follows spend across Anthropic, OpenAI, Gemini and Bedrock, and you don’t need a Ramp card to use it. We couldn’t find a cash back rate on its card page.

Slash

Slash keeps it simple, with up to 2% cash back and lots of virtual cards. The problem for AI teams is that it pays nothing at Microsoft, Amazon or Apple, which means a model bill on Azure earns no cash back.

Mercury IO

If you already bank with Mercury, IO is the easy choice. It pays 1.5% on everything, deposited automatically.

Dash.fi

Dash.fi pays up to 3% on AI tokens if you run its AI Spend Audit agent and pay within a day. That’s the best cash back here after ernd’s. It’s an introductory rate, though, and it drops as your payment terms get longer.

Rho

Rho Platinum pays 2%. To get it you have to move your payroll and banking to Rho.

What counts as an AI charge on each card?

Mostly it’s about who sends the bill. Card networks give every merchant a category code, and each issuer decides which codes earn its bonus. Amex and U.S. Bank add another condition, which is that they only reward software you buy directly from the provider.

That leaves two common setups out in the cold. Seats bought through an app store are billed by the app store, not by OpenAI or Anthropic, so they miss Amex’s software bonus and its ChatGPT Business credit. And when you use Claude on Amazon Bedrock or OpenAI models on Azure, the merchant is Amazon or Microsoft, so each card treats the charge the way it treats them. On Slash, that’s no cash back.

If you can’t tell which category a vendor lands in, put one month of its charges on the card and look at what they earned. Prepaid credits, auto-recharge and invoices also change when and how often the card gets charged, which we cover in how OpenAI and Anthropic API billing works. For a shorter comparison of Amex, Ramp, Mercury and the ernd card, see business credit cards for AI spend. If you also need expense software, banking or travel rewards, our card comparison shows which card fits which company.

How do you get the ernd card?

The card is live for US companies. Request the card at app.ernd.ai. It’s free to request, and there’s no annual fee.

OpenAI and Anthropic aren’t ernd partners and aren’t affiliated with us. You pay them with the ernd card the same way you’d pay with any other card. American Express, Chase, Bank of America, U.S. Bank, Brex, Ramp, Slash, Mercury, Dash.fi and Rho aren’t affiliated with ernd either, and their names are trademarks of their owners. We built this page from their public pages. Terms change, so check with the issuer before you decide.