ernd

Credit card that earns cash back on AI vendor spend

#3 in Finance
Finance
Payments and billing
Free
Launched 1 Nov 2026

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About

ernd is a business credit card for US companies that spend on AI services. It earns 4% cash back on payments to AI vendors like OpenAI and Anthropic, and 1.5% on other purchases. The card comes with negotiated perks from partner providers: Firecrawl gives 2x usage limits, while Superserve, Conifer and AgentPhone each add 5% back on their services.

You request the card through the ernd app using your work email or Google work account. The company admin provides legal details, EIN, revenue estimates and owner information. ernd issues cards on a first-come, first-served basis and emails next steps after review.

Points can be redeemed as cash back or used for travel that ernd books for your team, including flights and hotels to conferences. The card has no annual fee. ernd is backed by Y Combinator and independent from OpenAI and Anthropic.

Ernd is a credit card for AI spending that negotiates better pricing and capacity directly with AI providers. It earns 4% back on purchases at any AI vendor including OpenAI and Anthropic, with higher rewards at partner providers like Superserve and Conifer. The card comes with perks negotiated by ernd itself: priority GPU and inference capacity, a free security stack for the first 100 cardholders, and doubled usage limits at Firecrawl. Points can be redeemed as cash back or used for work travel that ernd books, where they're worth more than cash redemption.

Problem: Teams using multiple AI APIs face high monthly bills with no way to negotiate better rates or earn rewards on their spending.
Solution: ernd's card earns 4% back on AI vendor spend and includes negotiated perks like extra usage limits and priority capacity, reducing effective costs.

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