Most products lead with a free tier
24 of the 51 products open with a free tier — the credit meter’s acquisition engine. How the free grant refills is the tell: 7 hand out credits daily (the habit-forming design — come back tomorrow, the meter’s full), 14 refill monthly, and 3 give a one-time sampler that never refills. Daily-grant products are buying a habit; one-time ones are buying a trial.
Daily refills (highlighted) are the habit-forming design — come back tomorrow, the meter's full again.
SoF · The AI Credit IndexGrants: signup, referral, trial
Separate from the standing free tier, products seed usage with grants: 9 run a credit-bearing free trial, 4 hand a grant at signup, and just 1 publish a referral reward — the PLG loop is far more "try it" than "bring a friend."
The annual deal
Annual billing is near-universal: 44 of the 51 products offer both monthly and annual. 5 are monthly-only; 2 we couldn’t confirm this edition. Where annual is offered, the credit treatment matters as much as the discount: 7 products drop the whole year’s credits in as one upfront pool (use them whenever), while 14 drip them monthly (use-them-or-lose-them, twelve times over). The median published annual discount is 19%.
Monthly-drip annual is the sneaky one — you prepay a year but still forfeit unused credits each month.
SoF · The AI Credit IndexAcross the 24 products that publish an annual discount, the median is 19% — most cluster in the 10–30% band.
SoF · The AI Credit IndexWho the plan is for — the seat model
37 of the 51 products sell a team or business tier (a per-seat or shared-pool plan), the rest staying individual-only. The seat model is the clearest read on audience: individual grants skew consumer and prosumer; shared workspace pools and per-seat grants are the business end. And where a team tier states a seat floor, it’s a real barrier to entry — 2 products require a minimum (up to 10 seats just to start). The full consumer↔business segmentation is on The big picture.
The seat model is the clearest read on audience — individual grants skew consumer/prosumer; shared pools and per-seat the business end.
SoF · The AI Credit Index