Claude Max 5x users may ignore $100 monthly API credits
Hee, a non-engineer who sells used clothes on Mercari, explains why they are declining the $100 in monthly API credits included with their Claude Max 5x plan. The author notes that these credits are intended for individuals building their own AI tools or apps, rather than for general use in the standard Claude app or Claude Code.
Key points
- Claude Max 5x plan includes $100 monthly API credits, Max 20x includes $200.
- Credits are only usable for building custom AI tools, not the standard app.
- Unused credits expire monthly and cannot be carried over to the next month.
According to the official page, Max 5x subscribers receive $100 worth of credits per month, while Max 20x subscribers receive $200. These credits expire monthly and cannot be carried over. To access them, users must connect their account to the Claude Console via the Billing settings. Free and Pro plans are not eligible for this benefit.
Hee argues that accepting the credits is not a waste since unused amounts disappear automatically. The author concludes that the credits are useful only for people who build custom applications incorporating AI, a group they do not belong to. This post is part of a series called [AI Study] where new AI announcements are explained in simple terms.
[AI Study 3] $100 in monthly API credits from Claude. I decided not to accept them
note.com · 31 October 2026
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