AI Credits on a Credit Card? They Could Be Coming to an American Express Business Card Near You

American Express is floating a survey for its Amex Business Gold Card. If that sounds unfamiliar — or if business cards aren’t your thing — here’s the key takeaway: higher fees, stranger perks. Perhaps it’s a sign of what’s coming next for Amex and other card issuers.

• The company is reportedly considering a $495 annual fee for the card, paired with a new $300 ChatGPT business credit — a perk that could appeal to users who love ‘the swarm.’
• Amex also seems to be leaning into more rewards for dedicated customers, including points when you pay your balance from an Amex business checking account and a special 24K gold-plated variant of the card when you spend $100K in a year.

Added context: Just three years ago, American Express raised the price of its “middle-of-the-road” Amex Business Gold Card, which offers 4x points on a wide array of categories and some credits to make up for the higher $375 annual fee. Today, the card includes $240 in business credits, a $155+ Walmart+ subscription, and (supposedly) some new Squarespace credit. Looks like these sorts of refreshes are becoming a ‘thrice-a-decade’ sort of affair.