Do Subscriptions Include Free API Credits? Claude, Gemini and ChatGPT Plan Credits Compared
Claude's Max plan includes $100 in API credits a month, Ultra $200 and Team up to $500 in total, while Free and Pro get none. Gemini includes Google Cloud credits of $10 a month with Google AI Pro, $40 with Ultra 5x and $100 with Ultra 20x, and none with Plus. Since October 28, 2026, ChatGPT has included $100, $200 and $500 a month with Pro 100, 200 and 500, and per-seat credits with Business (up to $500 in total), while Go and Plus get none. Based on the three companies' official pricing pages, help articles and developer docs (checked October 27, 2026; ChatGPT checked October 30), this article compares, in the same order, where the credits can and can't be used (your Claude Code usage limits don't change), how to claim them (Gemini requires a $5 prepayment), when they expire (Claude and ChatGPT credits expire monthly, while Gemini credits are valid for 12 months and accumulate), what you can use for free without a plan (Claude's trial credit, Gemini's free tier and OpenAI's free tokens for data sharing), and whether the content you send is used for training, then sums up the deciding factors for choosing.