GitHub · Beginner · 3 lessons · about 19 minutes · updated 2026-09-13
GitHub Copilot AI Credits 101: What 1 Credit Actually Buys You
Copilot's paid plans now include a monthly "AI Credits" allowance instead of an unlimited chat tier. Three lessons on what a credit costs, which plan gets you the best rate, and what still doesn't touch your balance.
For any GitHub Copilot user who's seen "AI Credits" mentioned in their billing and isn't sure what a credit is worth, or anyone deciding between Pro, Pro+ and Max. No prior coding required beyond already using Copilot.
Course outline
- 1What an AI Credit is, and what still doesn't touch itGitHub Copilot's paid individual plans now include a monthly AI Credits allowance: 1 credit = $0.01. Code completions and inline suggestions stay unlimited and free of credit charges either way.6 min · 3 objectives
- 2Which plan gives you the best credit-per-dollar ratePro, Pro+ and Max all include more AI Credits than their sticker price in raw dollars — but not by the same multiple. Higher tiers actually buy a better rate, not just a bigger number.7 min · 3 objectives
- 3Making your credit allowance last the monthOnce you know what draws credits and what doesn't, the practical question is how to use Copilot without running dry on chat and agent mode before your next billing cycle.6 min · 3 objectives
Frequently asked
What are GitHub Copilot AI Credits?
A monthly usage allowance included with Copilot's paid individual plans (Pro, Pro+, Max), where 1 AI Credit equals $0.01 USD. Chat, agent mode, code review and the Copilot CLI draw from it; code completions and inline suggestions stay unlimited and unbilled regardless.
How much does GitHub Copilot cost with AI Credits?
Pro is $10/month for $15 in credits, Pro+ is $39/month for $70 in credits, and Max is $100/month for $200 in credits — each a discount on paper, with the multiplier improving at higher tiers (1.5x, ≈1.79x and 2x respectively), confirmed on GitHub's own plans page.
Do GitHub Copilot Business and Enterprise use AI Credits the same way?
This site's own verified figures put Business at $19/user/month and Enterprise at $39/user/month, but those are organisation seats with admin-managed policy and credit allocation — check your GitHub organisation's billing settings rather than assuming the individual-plan multiplier applies directly.