Cursor uses a usage-based credit system. Paid plans include a monthly credit pool equal to the plan's dollar value, consumed when manually selecting premium models.
| Plan | Price | Credits | Key Features |
|---|---|---|---|
| Hobby | Free | Limited | Limited Agent + Tab completions, no credit card required |
| Pro | $20/mo | $20 pool | Unlimited Tab, extended Agent, premium models |
| Pro+ | $60/mo | $60 pool | 3x usage credits, everything in Pro |
| Ultra | $200/mo | 20x multiplier | Priority access, maximum credits |
| Teams | $40/user/mo | Per-user Pro | Admin controls, SSO, shared rules |
| Enterprise | Custom | Pooled | CMEK, SCIM, audit logs, dedicated support |
Auto mode doesn't consume credits on paid plans. For most daily tasks, Auto mode provides excellent results. Reserve manual model selection (Claude Opus, GPT-5) for complex architecture decisions where the premium model's reasoning is worth the credit cost.