10 credits · 4 cards · $2,400 a year at face value
Business software and services credits: every card that has one.
Dell, Adobe, Indeed, Google Workspace and similar credits are reachable only for businesses that already buy from that vendor; several reset semiannually or require a spend threshold, and a hiring credit is worth nothing to a company that is not hiring.
Every card with one, sorted by face value.
| Card | Credit | Per year | Paid out as | Flags |
|---|---|---|---|---|
| Chase Sapphire Reserve for Business$795 annual fee | ZipRecruiter Credit "Up to $200 in statement credits January through June and up to $200 July through December" on ZipRecruiter purchases. |
$400 | $200 twice a year; unused amounts are lost | ends 2027-12-31 |
| American Express Business Platinum$895 annual fee | Indeed Credit Hiring spend directly with Indeed: zero reachability for non-hiring businesses. |
$360 | $90 a quarter; unused amounts are lost | — |
| American Express Business Platinum$895 annual fee | ChatGPT Business Credit Launched 2026-05-12: $300/yr against auto-renewing ChatGPT Business subscriptions billed directly by OpenAI. Caveat: ChatGPT Business has a 2-seat minimum (~$600/yr), so the credit covers roughly one seat. |
$300 | $300 a year, resets on the calendar | — |
| American Express Business Gold$375 annual fee | ChatGPT Business Credit Launched May 2026 (same benefit as Business Platinum): up to $300/yr against auto-renewing ChatGPT Business subscriptions billed directly by OpenAI. ChatGPT Business has a 2-seat minimum (~$600/yr), so the credit covers roughly one seat. |
$300 | $300 a year, resets on the calendar | — |
| American Express Business Platinum$895 annual fee | Adobe Credit $250 after $600+ of direct Adobe purchases in the calendar year (restructured 2025-07-01 from the no-threshold $150). Reachable only for actual Adobe subscribers. |
$250 | $250 a year, resets on the calendar | — |
| American Express Business Gold$375 annual fee | Flexible Business Credit (FedEx / Grubhub / Office Supply) $20/month against eligible U.S. purchases at FedEx, Grubhub, or office supply stores: one $20 pool per month across all three, not per merchant. FedEx eligibility is published to END 2026-10-01, leaving Grubhub and office supply stores. Use-it-or-lose-it monthly. |
$240 | $20 a month; unused amounts are lost | use it monthly |
| Chase Sapphire Reserve for Business$795 annual fee | Google Workspace Credit Direct Google Workspace purchases only (not via a reseller). |
$200 | $200 a year, resets on the calendar | ends 2027-12-31 |
| American Express Business Platinum$895 annual fee | Dell Credit | $150 | $150 a year, resets on the calendar | — |
| American Express Business Gold$375 annual fee | Squarespace Credit Up to $150 per calendar year on direct U.S. purchases at Squarespace.com or AcuityScheduling.com (Squarespace as merchant of record). Announced Oct 2025, live Aug 2026; credits can take 6–8 weeks to post. |
$150 | $150 a year, resets on the calendar | — |
| Capital One Venture Business$95 annual fee | $50 Advertising or Software Credit "Get an annual $50 statement credit for purchases at qualifying advertising or software merchants": by merchant category code; unused credit expires at the anniversary. |
$50 | $50 a year, resets on your card anniversary | — |