GuideLast checked 8 November 2026

Cashback on OpenAI (ChatGPT) for your business

OpenAI (ChatGPT) is on Incard's list of eligible brands, so paying it with an Incard card earns 1% cashback on the £0 Free plan. Here's what counts, how OpenAI (ChatGPT) charges your card, and when the paid plans pay more.

By the editorial team. How we make money.

Earn cashback on OpenAI (ChatGPT) with Incard

1% back on the £0 Free plan, 1.25% on Grow (£49 a month) and from 1.5% on Plus
Uncapped, on eligible card spend
Team cards on the Free plan, so your whole team's spending can earn it
GBP, EUR and USD IBANs, also on the Free plan

cashback a year from £1,000 of OpenAI (ChatGPT) spend a month on Incard's £0 Free plan. Simple arithmetic, not a forecast.

£120

Apply for Incard on incard.co

We may earn a commission if you apply.

How OpenAI (ChatGPT) charges your card

New OpenAI API accounts pay in advance by buying credits, with a minimum purchase of $5. Auto-reload is on by default at setup and tops up the balance from your payment method when it falls below a threshold you set.

Card purchases from OpenAI (ChatGPT) earn cashback once they clear, as long as the payment shows OpenAI (ChatGPT) as the merchant. Holds and pre-authorisations aren't purchases.

Incard's cashback rates

**Table notes:** correct as of 8 November 2026, from Incard's pricing page and fee schedules. Plus rates are “from 1.5%” and set per business. The rideshare rate appears on the pricing page but not in the Free fee schedule.
Plan	Recurring software
Free (£0 a month)	1%
Grow (£49 a month)	1.25%
Plus (from £199 a month)	from 1.5%

On software alone, Grow's extra cashback covers its £49 fee from £19,600 a month of spend. Our cashback calculator shows the breakeven for your own mix, and our Incard plans guide compares Free, Grow and Plus.

What counts

Only card purchases at brands on Incard's eligible list earn cashback. Incard matches the merchant name on the payment against that list.
Fees, ATM withdrawals, cash, transfers and similar charges don't count.
Refunds are deducted from your cashback.
Cashback is paid on purchases once they clear, not when you tap the card.
Incard reviews a request to redeem within 5 working days and pays it within 14 working days.

Other software brands that earn 1%

A2X Accounting
Adobe
Airtable
Amazon Digital
Anthropic
Apple (including iTunes)
Asana
Blaze Today
Calendly
Canva
CapCut
DocuSign
Dropbox
Fathom
Figma
Freepik
GoLogin
Google Workspace
Heatmap
Helium 10
Huboo
Indeed
Insightful
Klaviyo
LinkedIn Premium and Sales Navigator
Loom
Namecheap
Netim
Notion
Omnisend
Replit
SeedLegals
Sellerboard
SendGrid
Shopify
Shutterstock
Slack
Triple Whale
Trustpilot
Twilio
Webflow
WordPress
Wowcher

All software cashback. How Incard cashback works.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Start earning 1% on OpenAI (ChatGPT)

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.