> Markdown copy of https://perq.sh/blog/chatgpt-vs-claude-subscriber-api-credits (ChatGPT vs Claude: API credits that come with your subscription | Perq), generated 2026-10-31. Index of every page for agents: https://perq.sh/llms.txt. Search API and MCP server: https://perq.sh/agents.
> OpenAI now gives ChatGPT Pro and Business subscribers up to $500 a month in API credits. Here is how it compares with the Claude Max, Ultra and Team API credits, checked on both vendors' pages today.

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# ChatGPT vs Claude: API credits that come with your subscription

By Perq team ([Avatar 8](https://perq.sh/about)) · Oct 31, 2026 · comparison · llm-api · openai · anthropic

Offer details below are pulled from our dataset when the page is built, so they match the directory. Latest verification of offers in this post: Oct 31, 2026, 6:15 AM ET.

If you already pay for ChatGPT or Claude, part of that subscription can now go toward the vendor’s API. OpenAI’s version is new on Perq today: eligible ChatGPT Pro and Business subscribers can claim up to $500 per month in API credits. Anthropic has offered something similar for Claude Max, Ultra and Team plans since earlier this month. We re-checked both source pages on Oct 31, 2026.

| Vendor | Offer (vendor wording) | Eligibility | Verified | Links |
| --- | --- | --- | --- | --- |
| [OpenAI](https://perq.sh/offers/openai-chatgpt-api-credits) | [Up to $500 per month in API credits for ChatGPT Pro and Business subscribers](https://perq.sh/offers/openai-chatgpt-api-credits) | Owner of a paid ChatGPT Pro or Business subscription at least 7 days old (no free trials or complimentary plans); must also own the receiving API organization | Oct 31, 2026, 6:11 AM ET | [source ↗](https://developers.openai.com/api/docs/guides/chatgpt-api-credits) · [claim ↗](https://help.openai.com/en/articles/20001626-api-credits-benefit-for-eligible-chatgpt-subscriptions) |
| [Anthropic (Claude)](https://perq.sh/offers/claude-max-team-api-credits) | [Monthly Claude API credits included with paid plans: $100 USD (Max), $200 USD (Ultra), up to $500 USD (Team, pooled)](https://perq.sh/offers/claude-max-team-api-credits) | Active Claude Max, Ultra or Team plan (including discounted Nonprofit and Scientists Team plans) in good standing; new subscribers can claim after 7 days. Free, Pro and Enterprise plans aren't eligible. | Oct 31, 2026, 6:15 AM ET | [source ↗](https://platform.claude.com/docs/en/about-claude/api-credits-for-subscribers) · [claim ↗](https://platform.claude.com/docs/en/about-claude/api-credits-for-subscribers) |

## How much you get

Both programs top out at the same place for teams, and the individual tiers line up closely.

-   **OpenAI (ChatGPT Pro):** the credit follows your Pro tier: $100/month, $200/month or $500/month.
-   **Anthropic (Claude):** $100 USD a month on Max and $200 USD on Ultra. Anthropic’s page renamed these tiers this week (they were Max 5x and Max 20x); the amounts did not change.
-   **Teams:** both pay $20 per Standard seat and $100 per Premium seat, pooled across the workspace and capped at $500 a month (ChatGPT Business and Claude Team).

## Rules that matter

-   **Seven-day wait.** Both require the paid plan to be active for at least 7 days before you can claim.
-   **No rollover.** Unused credits expire at the end of each billing cycle on both.
-   **You link an API organization.** On ChatGPT you link one API organization you own from billing settings. On Claude you link a Claude Console organization, and credits arrive there each cycle.
-   **What they cover.** OpenAI’s credits cover API Platform usage, not Codex through API keys or ChatGPT limits. Claude’s cover the Claude API, Managed Agents, the Agent SDK and the Console playground, but not Claude Code.
-   **Who is left out.** On the Claude side, Free, Pro and Enterprise plans are not eligible. On the ChatGPT side, free trials and complimentary plans don’t count.

## Which one to use

These are subscriber benefits, not free tiers: they only make sense if you already pay for the plan. If you do, claim it. A small side project or internal agent can often run on the monthly allowance. If you pay for neither, the free API tiers and startup programs in our [AI startup launch pack](https://perq.sh/packs/ai-startup-launch-pack) are a better place to start.

[OpenAI](https://perq.sh/offers/openai-chatgpt-api-credits) Live signup credit

[Up to $500 per month in API credits for ChatGPT Pro and Business subscribers](https://perq.sh/offers/openai-chatgpt-api-credits)

**Eligibility:** Owner of a paid ChatGPT Pro or Business subscription at least 7 days old (no free trials or complimentary plans); must also own the receiving API organization

> “Up to $500 per month: Your allowance depends on your Pro plan or your Business workspace's paid seats.”

Verified Oct 31, 2026, 6:11 AM ET · [Source: developers.openai.com ↗](https://developers.openai.com/api/docs/guides/chatgpt-api-credits) · [Claim ↗](https://help.openai.com/en/articles/20001626-api-credits-benefit-for-eligible-chatgpt-subscriptions)

[Anthropic (Claude)](https://perq.sh/offers/claude-max-team-api-credits) Live signup credit

[Monthly Claude API credits included with paid plans: $100 USD (Max), $200 USD (Ultra), up to $500 USD (Team, pooled)](https://perq.sh/offers/claude-max-team-api-credits)

**Eligibility:** Active Claude Max, Ultra or Team plan (including discounted Nonprofit and Scientists Team plans) in good standing; new subscribers can claim after 7 days. Free, Pro and Enterprise plans aren't eligible.

> “Monthly amount $100 USD (Max), $200 USD (Ultra), up to $500 USD (Team, pooled\*)”

Verified Oct 31, 2026, 6:15 AM ET · [Source: platform.claude.com ↗](https://platform.claude.com/docs/en/about-claude/api-credits-for-subscribers) · [Claim ↗](https://platform.claude.com/docs/en/about-claude/api-credits-for-subscribers)

## All offers mentioned in this post

| Vendor | Offer | Category | Type | Eligibility | Source | Last verified |
| --- | --- | --- | --- | --- | --- | --- |
| [OpenAI](https://perq.sh/offers/openai-chatgpt-api-credits) | [Up to $500 per month in API credits for ChatGPT Pro and Business subscribers](https://perq.sh/offers/openai-chatgpt-api-credits) | [LLM APIs](https://perq.sh/category/llm-api) | [signup credit](https://perq.sh/type/signup-credit) | Owner of a paid ChatGPT Pro or Business subscription at least 7 days old (no free trials or complimentary plans); must also own the receiving API organization | [developers.openai.com ↗](https://developers.openai.com/api/docs/guides/chatgpt-api-credits) | Oct 31, 2026, 6:11 AM ET |
| [Anthropic (Claude)](https://perq.sh/offers/claude-max-team-api-credits) | [Monthly Claude API credits included with paid plans: $100 USD (Max), $200 USD (Ultra), up to $500 USD (Team, pooled)](https://perq.sh/offers/claude-max-team-api-credits) | [LLM APIs](https://perq.sh/category/llm-api) | [signup credit](https://perq.sh/type/signup-credit) | Active Claude Max, Ultra or Team plan (including discounted Nonprofit and Scientists Team plans) in good standing; new subscribers can claim after 7 days. Free, Pro and Enterprise plans aren't eligible. | [platform.claude.com ↗](https://platform.claude.com/docs/en/about-claude/api-credits-for-subscribers) | Oct 31, 2026, 6:15 AM ET |

No offers match these filters.

## More from the blog

-   [The AI agent infrastructure pack: 29 credits and free plans for the stack around the model](https://perq.sh/blog/agent-infra-pack-explained)
-   [New on Perq today: TinyFish, Zed, Resend, Nango, Netlify, Cloudinary and Greptile (Oct 29, 2026)](https://perq.sh/blog/new-on-perq-oct-29-2026)
-   [Cloud startup credits compared: AWS vs Google Cloud vs Microsoft vs Cloudflare (Oct 2026)](https://perq.sh/blog/cloud-startup-credits-oct-2026)

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