ChatGPT Pro and Business subscriptions include up to $500 in API credits

What changed and for which plans

As of November 14, 2026, an OpenAI staff post in its community forum says eligible ChatGPT subscriptions come with API credits, and that credit amounts depend on the plan.

Pro plans get $100, $200 or $500 per month, depending on tier. Business plans get $20 for each paid Standard seat or $100 for each paid Premium seat. The Business credits are pooled up to $500 per workspace.

Sources: Claim up to 500$ in API credits using your ChatGPT Pro or Business subscription

How to claim the credits

The post says to claim the credits in ChatGPT billing at chatgpt.com/settings/billing. It then says to use the OpenAI Developers plugin in ChatGPT or Codex to create an API key and start a project.

Sources: Claim up to 500$ in API credits using your ChatGPT Pro or Business subscription

What it means for your bill and usage

On Pro, the credit amount follows your tier: $100, $200 or $500 per month. On Business, the pool depends on how many paid Standard and Premium seats the workspace has, and it stops at $500 per workspace.

These are API credits, which the post pairs with an API key you create through the OpenAI Developers plugin. For more detail, the post links to the OpenAI Help Center article API credits benefit for eligible ChatGPT subscriptions.

Sources: Claim up to 500$ in API credits using your ChatGPT Pro or Business subscription