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Which business cards give something back on AI spend?
Not many. Of the cards below, none pays a higher rate on AI vendors today. An Anthropic invoice earns whatever the card pays on everything else.
These are the terms on each company’s own site on October 30, 2026. ernd makes the ernd card, so weigh that last row however you like.
| Card | What you get on AI | Fine print |
|---|---|---|
| Amex Business Platinum or Gold | Up to $300 a calendar year in statement credits on ChatGPT Business | US purchases only, and you have to enroll |
| Ramp | Cash back on every swipe | No AI rate on the card page. No annual fee |
| Mercury IO | 1.5% cash back on all of it | No interest or annual fees |
| ernd card | 4% back at AI vendors like OpenAI and Anthropic, 1.5% on the rest | Free to request, no annual fee. Final terms come with the card |
The Amex credit is nice if your team lives in ChatGPT, but it covers one product and tops out at $300. Ramp’s more interesting offer is software. Its AI Spend Management tool pulls in usage from Anthropic, OpenAI, Gemini and Cursor, and you don’t need the Ramp card to use it.
What should you check first?
How each vendor bills you. OpenAI and Anthropic API accounts can run on prepaid credits, card charges or monthly invoices, and prepaid credits behave quite differently from a normal monthly charge. Our billing guide has the details.
Then look at what kind of spend it is. Seats on ChatGPT Business or Cursor are boring and predictable. Token bills aren’t, and one product launch can move them a lot. That’s why the card limit, and being able to lock a card to one vendor, can end up mattering more than the rewards rate.
How will the ernd card work?
It’s a credit card for US companies that pay for AI. ernd negotiates partnerships across the AI stack and passes the benefits to cardholders.
Spend at AI vendors like OpenAI and Anthropic earns 4% back, and everything else earns 1.5%. Superserve, Conifer and AgentPhone earn 5%. Firecrawl gives ernd cardholders 2x usage limits, and card spend there earns the standard 1.5% back. Final terms come with the card.
OpenAI and Anthropic aren’t partners. You pay them with the ernd card the way you would with any other card.
Requesting a card is free, and any US company can do it from the ernd app. A request doesn’t guarantee you a card.
Questions
Which business card gives the most back on OpenAI and Anthropic API bills?
Today none of these cards pays a higher rate on AI vendors. Mercury IO pays 1.5% cash back on everything, AI included. The ernd card is set to earn 4% back at AI vendors like OpenAI and Anthropic once it launches, but it isn't issued yet and final terms come with the card.
Does the Amex ChatGPT Business credit cover the OpenAI API?
Amex describes it as up to $300 a calendar year in statement credits on US purchases of ChatGPT Business. The API isn't mentioned.
Are OpenAI and Anthropic partners of ernd?
No. Neither one sponsors or endorses ernd. Cardholders will pay them with the ernd card like they would with any other business card.
Where ernd fits
The ernd card is a credit card for US companies, with partners across the AI stack built in. Request your card .
Read next
- OpenAI API pricing OpenAI API pricing is what OpenAI charges per million input, cached input and output tokens, set by model and processing mode.
- Anthropic API pricing Anthropic API pricing is what Anthropic charges per million input, cache and output tokens for each Claude model.
- AI API cost calculator Example monthly costs for an OpenAI or Anthropic model at list prices.
- Cut LLM API costs Cutting LLM API costs means paying for fewer or cheaper tokens on the OpenAI and Anthropic APIs, mostly through model choice, caching, batching and spend limits.
- API billing basics API billing is how OpenAI and Anthropic charge for API usage, through prepaid credits, card payments or monthly invoices, depending on the account.
- Track AI API spend Tracking AI API spend means recording what each OpenAI and Anthropic project costs, from the usage dashboards and cost APIs through to the receipts your finance team files.
- The ernd blog Notes on billing and pricing for teams paying OpenAI and Anthropic.
Sources
- American Express, Business Platinum Card
- Ramp, Corporate cards
- Ramp, AI Spend Management
- Mercury, IO credit card
Checked . Providers change prices and terms, so the linked page is the final word.
ernd is run by Provenance Research Inc.