{"id":687,"date":"2026-04-11T22:01:22","date_gmt":"2026-04-11T22:01:22","guid":{"rendered":"http:\/\/localhost:8088\/articles\/understanding-ai-credits\/"},"modified":"2026-10-19T08:57:36","modified_gmt":"2026-10-19T08:57:36","slug":"understanding-ai-credits","status":"publish","type":"knowledge_article","link":"https:\/\/help.upwex.io\/en\/articles\/understanding-ai-credits\/","title":{"rendered":"What are AI Credits"},"content":{"rendered":"<p><strong><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/glossary\/ai-credits\/\">AI Credits<\/a><\/strong> are how Upwex counts AI usage. Every cover letter, screening-question answer, job analysis, Quick Apply and Auto Bid submission spends credits from your team&#8217;s monthly pool. On Flex every seat adds <strong>50 credits per month<\/strong> to that pool, the pool refills on each billing renewal, and you can buy extra credits that never expire. If you connect your own OpenRouter key, AI runs on your key and does not use credits at all.<\/p>\n<p><img loading=\"eager\" fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"808\" src=\"\/wp-content\/uploads\/help\/ss-cr-01-credits-page.webp\" alt=\"AI Credits page in Upwex account with four hero cards (Credits Remaining in green, Credits Used, Total Credits, Extra Credits with Top Up button), Resets date in the top-right corner, a Team Members table with per-member usage and a Usage History table with date, user, action and credits columns\" \/><\/p>\n<h2>Where your credits come from<\/h2>\n<p>All your balances are visible on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">AI Credits page<\/a>:<\/p>\n<ul>\n<li><strong>Monthly pool<\/strong> &#8211; 50 credits per seat per month, included in your Flex subscription. The pool resets on every billing renewal, and unused pool credits <em>do not<\/em> carry over to the next month.<\/li>\n<li><strong>Extra credits<\/strong> &#8211; packs you buy with <strong>Top Up<\/strong>. They <strong>never expire<\/strong> and do not reset. Credits carried over from an old Lite, Pro or Max plan also land here.<\/li>\n<li><strong>Trial credits<\/strong> &#8211; a new account gets a 7-day free trial on Flex with <strong>20 AI Credits in total<\/strong> for the whole trial. They are not given per day and do not reset.<\/li>\n<\/ul>\n<h2>The team shares one pool<\/h2>\n<p>Credits are pooled across the team, not locked to individual seats. The pool size is 50 x the number of seats: with 3 seats your team has <strong>150 credits per month<\/strong> in one shared pool. Any team member can spend from it, and there is no per-member quota. If one person has a heavy day of bidding while another is on vacation, the busy one is not blocked by an empty personal balance.<\/p>\n<h2>What costs credits<\/h2>\n<p>Every AI action in Upwex costs <strong>1 credit<\/strong>. Here is the full list of actions that spend credits:<\/p>\n<ul>\n<li><strong>AI Cover Letter<\/strong> generation &#8211; every time you generate a personalised proposal letter (or regenerate one)<\/li>\n<li><strong>AI Highlights<\/strong> &#8211; when <strong>Profile Highlights<\/strong> is set to Auto (AI), the AI picks the best highlights for each proposal; this costs <strong>1 additional credit<\/strong> per proposal and shows up in Usage History as a <em>Highlights<\/em> entry<\/li>\n<li><strong>AI Q&amp;A answer<\/strong> &#8211; each generated answer to a screening question on a job (a job with 3 questions = 3 credits if you generate them all)<\/li>\n<li><strong>Check Fit Job Analyzer (0-100 score)<\/strong> &#8211; every time you run job-fit analysis (numeric match score, red flags, budget verdict, recommended approach)<\/li>\n<li><strong>Quick Apply<\/strong> &#8211; counts every generation it triggers (cover letter + each Q&amp;A answer), so a job with 2 screening questions = 3 credits per Quick Apply<\/li>\n<li><strong>Proposal Autofill<\/strong> &#8211; the same rule as Quick Apply: 1 credit per cover letter + 1 per Q&amp;A answer it fills in for you<\/li>\n<li><strong>Auto-Bidding match scoring<\/strong> &#8211; every job the scanner evaluates against your match prompt, whether or not it ends up being submitted<\/li>\n<li><strong>Auto-Bidding submission<\/strong> &#8211; every job the scanner submits a proposal to in your name (covers the cover letter + answers it generates for that submission)<\/li>\n<li><strong>Prompt templates<\/strong> &#8211; improving, generating or testing custom prompt templates in the Prompt Library costs 1 credit per operation<\/li>\n<\/ul>\n<h2>Using your own AI key instead of credits<\/h2>\n<p>On a paid Flex subscription you can connect your own <strong>OpenRouter<\/strong> API key. AI generation then runs on your OpenRouter balance and does not use Upwex AI Credits, so there is no credit limit from Upwex. You pay OpenRouter directly.<\/p>\n<ol>\n<li>Create a key at openrouter.ai (<em>Settings -> Keys<\/em>) and top up your balance there.<\/li>\n<li>In Upwex open <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/tools-and-apps\">Tools &amp; Apps<\/a> (or the <strong>OpenRouter key<\/strong> card on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/billing\">Billing<\/a> page) and click <strong>Connect<\/strong>.<\/li>\n<li>Paste the key and click <strong>Validate &amp; Save Key<\/strong>. Upwex checks the key with OpenRouter before saving it.<\/li>\n<\/ol>\n<p>The key is stored encrypted, and Upwex only shows its last 4 characters (****1234). The card shows the key status: <strong>Active<\/strong> (green), <strong>Invalid<\/strong> or <strong>No balance<\/strong> (red). To replace the key click <strong>Update<\/strong>; to remove it use the trash icon on the Tools &amp; Apps card.<\/p>\n<p>If the key stops working or runs out of OpenRouter balance, AI automatically falls back to your plan credits, and a red banner appears with an <strong>Update<\/strong> button so you can fix the key. Actions served on your own key show in Usage History with an <strong>Own AI key<\/strong> badge and do not use credits.<\/p>\n<p>The own key is not available during the free trial. It becomes available once you subscribe to Flex.<\/p>\n<h2>Where to monitor your balance<\/h2>\n<ul>\n<li><strong>Extension popup<\/strong> &#8211; open the Upwex Chrome extension popup and you&#8217;ll see a progress bar at the top showing <em>used \/ total<\/em> AI credits. It is color-coded so you know when to top up.<\/li>\n<li><strong>AI Credits page hero<\/strong> &#8211; <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">account.upwex.io\/credits<\/a> opens with four hero cards: <em>Credits Remaining<\/em> (green), <em>Credits Used<\/em>, <em>Total Credits<\/em> (your monthly pool) and <em>Extra Credits<\/em> (with a <strong>Top Up<\/strong> button next to it).<\/li>\n<li><strong>Billing page<\/strong> &#8211; the <strong>Credits<\/strong> card on <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/billing\">Billing<\/a> shows the pool balance (for example <em>50 \/ 50<\/em>), the reset date and a <strong>Top Up<\/strong> button.<\/li>\n<li><strong>Team Members table<\/strong> &#8211; lower on the AI Credits page. Lists every team member with their credit usage for the current billing period, so you can see who is using the pool and on what.<\/li>\n<li><strong>Usage History<\/strong> &#8211; a paginated log of every credit transaction: date, user, action type (colored badge), credits spent or added, and source (pool \/ extra \/ trial \/ bonus). Actions that ran on your own OpenRouter key carry the <strong>Own AI key<\/strong> badge, and credits moved from an old plan appear as <strong>Credits carried over<\/strong> (+N, green).<\/li>\n<\/ul>\n<h2>When credits reset<\/h2>\n<p>The monthly pool resets on your billing renewal date, not on the 1st of the calendar month. The exact date is shown on the AI Credits page and on the Credits card on the Billing page (<em>&#8220;Resets [date]&#8221;<\/em>).<\/p>\n<p>Pool credits do not roll over. If your team has 2 seats (100 credits) and uses 80 before the renewal, the remaining 20 are gone and the new month starts with a fresh 100. Extra credits work the other way: they never reset and never expire.<\/p>\n<p>Trial credits do not reset either. The 20 credits cover the whole 7-day trial.<\/p>\n<h2>If you had a Lite, Pro or Max plan<\/h2>\n<p>Older Lite, Pro and Max plans keep working as before. When you switch to Flex, the unused credits from your old plan move to your extra balance and never expire. You&#8217;ll see this in Usage History as <strong>Credits carried over<\/strong> (+N, green). After the switch your monthly pool becomes 50 credits per seat. The switch itself is described in <a href=\"\/articles\/upgrade-downgrade-plans\/\">Switch to Flex or change your billing period<\/a>.<\/p>\n<h2>Buying extra credits<\/h2>\n<p>You can buy a credit pack any time with <strong>Top Up<\/strong> on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">AI Credits<\/a> page. Top Up requires an active subscription. There are six packs:<\/p>\n<ul>\n<li>100 credits &#8211; $5.99<\/li>\n<li>250 credits &#8211; $14.49<\/li>\n<li>500 credits &#8211; $27.99<\/li>\n<li>1000 credits &#8211; $54.99<\/li>\n<li>2500 credits &#8211; $134.99<\/li>\n<li>5000 credits &#8211; $264.99<\/li>\n<\/ul>\n<p>Purchased credits go to your Extra Credits balance and never expire. Detailed steps are in the <a href=\"\/articles\/top-up-ai-credits\/\">Top up AI Credits<\/a> article.<\/p>\n<h2>Frequently asked<\/h2>\n<ul>\n<li><strong>Do credits roll over month to month?<\/strong> Pool credits &#8211; no. Extra credits (top-ups and credits carried over from an old plan) &#8211; yes, they never expire.<\/li>\n<li><strong>Are credits per member or shared?<\/strong> Shared across the entire team in one pool of 50 credits per seat.<\/li>\n<li><strong>Can I refund unused credits?<\/strong> No, credits don&#8217;t have a separate refund flow. If you cancel your subscription, unused pool credits expire at the end of the current billing period. Extra credits stay in your account until used.<\/li>\n<li><strong>Do I need a higher plan for Auto-Bidding?<\/strong> No. Flex is the only plan and includes every Upwex feature, including the 24\/7 Auto-Bidding scanner. See <a href=\"\/articles\/pricing-plans-overview\/\">Pricing plan overview<\/a>.<\/li>\n<li><strong>Does my own OpenRouter key use credits?<\/strong> No. Actions served on your key are marked <strong>Own AI key<\/strong> in Usage History and do not use credits. If the key fails, AI falls back to your credits until you update the key.<\/li>\n<li><strong>Why did Upwex deduct two credits for one job?<\/strong> Different actions on the same job count separately. Generating a cover letter (1 credit) and running Check Fit Job Analyzer (1 credit) on the same listing = 2 credits total.<\/li>\n<\/ul>\n<h2>Related articles<\/h2>\n<ul>\n<li><a href=\"\/articles\/top-up-ai-credits\/\">Top up AI Credits<\/a> &#8211; step-by-step purchase flow<\/li>\n<li><a href=\"\/articles\/credits-running-out-fast\/\">AI credits running out too fast<\/a> &#8211; how to find what is using your credits<\/li>\n<li><a href=\"\/articles\/pricing-plans-overview\/\">Pricing plan overview<\/a> &#8211; what Flex includes<\/li>\n<li><a href=\"\/articles\/upgrade-downgrade-plans\/\">Switch to Flex or change your billing period<\/a> &#8211; moving from an old plan to Flex<\/li>\n<li><a href=\"\/articles\/connect-openrouter-key\/\">Connect your own OpenRouter AI key<\/a> &#8211; use your own AI key instead of Upwex credits<\/li>\n<\/ul>\n<p><!-- OLD CONTENT (before Flex, October 2026), kept for reference:\n\n\n<p><strong><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/glossary\/ai-credits\/\">AI Credits<\/a><\/strong> are the metering currency for everything AI-powered in Upwex. Every cover letter, screening-question answer, job analysis, Quick Apply, and Auto Bid submission spends credits from your team's monthly pool. Credits replenish automatically with each billing cycle, and you can buy non-expiring top-ups any time you need a boost.<\/p>\n\n\n\n<img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"808\" src=\"\/wp-content\/uploads\/help\/ss-cr-01-credits-page.webp\" alt=\"AI Credits page in Upwex account \u2013 header with four hero cards (Credits Remaining 2000 in green, Credits Used 0, Total Credits 2000, Extra Credits 0 with Top Up button), Resets date in top-right; Team Members table showing per-member usage; Usage History table with date, user, action (Cover Letter, Job Assistant, Job Matching, Answer) and credits-spent columns\" \/>\n\n\n\n<h2>The two kinds of credits<\/h2>\n\n\n\n\n<p>Your team has <strong>two separate buckets<\/strong>, both visible on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">AI Credits page<\/a>:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/pricing\/\">Plan<\/a> credits (the pool)<\/strong> \u2013 included with your subscription. Refilled fresh on every billing renewal; the pool resets to your plan's allowance and any unused credits <em>do not<\/em> carry over.<\/li>\n\n\n\n\n<li><strong>Extra credits (top-ups)<\/strong> \u2013 one-time packs you purchase separately. They <strong>never expire<\/strong>, never reset, and stack on top of your plan pool. Used after plan credits run out (or before if you'd prefer \u2013 Upwex spends from whichever bucket has credits).<\/li>\n\n\n<\/ul>\n\n\n\n\n<p>This split lets you keep a small permanent reserve via top-ups while still benefiting from the predictable monthly refresh of your plan.<\/p>\n\n\n\n\n\n<h2>Your monthly allowance by plan<\/h2>\n\n\n\n\n<p>Each subscription plan grants a fixed credit allocation per seat, every month:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong>Lite<\/strong> \u2013 100 credits per seat \/ month<\/li>\n\n\n\n\n<li><strong>Pro<\/strong> \u2013 250 credits per seat \/ month<\/li>\n\n\n\n\n<li><strong>Max<\/strong> \u2013 500 credits per seat \/ month<\/li>\n\n\n\n\n<li><strong>Trial<\/strong> \u2013 credit allowance granted for the entire 14-day free trial (the exact amount is shown as <em>Total Credits<\/em> on your AI Credits page)<\/li>\n\n\n<\/ul>\n\n\n\n\n<p><strong>Important: credits are pooled across the team, not locked to individual seats.<\/strong> If you're on Max with 3 seats, your team has <strong>1500 credits per month<\/strong> in a single shared pool. Any team member can spend from that pool \u2013 there's no per-member quota. This makes life easy for agencies where one person handles a heavy day of bidding while another is on vacation; the busy one isn't blocked by an empty personal bucket.<\/p>\n\n\n\n\n\n<h2>What costs credits<\/h2>\n\n\n\n\n<p>Every paid AI action in Upwex costs <strong>1 credit<\/strong>. Simple, predictable, no hidden multipliers. Here's the full list of actions that spend credits:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong>AI Cover Letter<\/strong> generation \u2013 every time you generate a personalised proposal letter (or regenerate one)<\/li>\n\n\n\n\n<li><strong>AI Highlights<\/strong> - when <strong>Profile Highlights<\/strong> is set to Auto (AI), the AI picks the best highlights for each proposal; this costs <strong>1 additional credit<\/strong> per proposal and shows up in Usage History as a <em>Highlights<\/em> entry<\/li>\n\n\n\n\n<li><strong>AI Q&amp;A answer<\/strong> \u2013 each generated answer to a screening question on a job (a job with 3 questions = 3 credits if you generate them all)<\/li>\n\n\n\n\n<li><strong>Check Fit Job Analyzer (0\u2013100 score)<\/strong> \u2013 every time you run job-fit analysis (numeric match score, red flags, budget verdict, recommended approach)<\/li>\n\n\n\n\n<li><strong>Quick Apply<\/strong> \u2013 the one-click flow on Pro \/ Max counts every underlying generation it triggers (cover letter + each Q&amp;A answer), so a job with 2 screening questions = 3 credits per Quick Apply<\/li>\n\n\n\n\n<li><strong>Proposal Autofill<\/strong> \u2013 the same count rule as Quick Apply: 1 credit per cover letter + 1 per Q&amp;A answer it auto-fills for you<\/li>\n\n\n\n\n<li><strong>Auto-Bidding match scoring<\/strong> \u2013 Max-only: every job the scanner evaluates against your match prompt (whether or not it ends up being submitted)<\/li>\n\n\n\n\n<li><strong>Auto-Bidding submission<\/strong> \u2013 Max-only: every job the scanner submits a proposal to in your name (covers the cover letter + answers it generates for that submission)<\/li>\n\n\n\n\n<li><strong>Prompt templates<\/strong> \u2013 improving, generating, or testing custom prompt templates in the Prompt Library each cost 1 credit per operation<\/li>\n\n\n<\/ul>\n\n\n\n\n\n<h2>Where to monitor your balance<\/h2>\n\n\n\n\n<p>Three places to check how many credits you have, in increasing detail:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong>Extension popup<\/strong> \u2013 open the Upwex Chrome extension popup and you'll see a progress bar at the top showing <em>used \/ total<\/em> AI credits at a glance. Color-coded so you know when to top up.<\/li>\n\n\n\n\n<li><strong>AI Credits page hero<\/strong> \u2013 <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">account.upwex.io\/credits<\/a> opens with four hero cards: <em>Credits Remaining<\/em> (green), <em>Credits Used<\/em>, <em>Total Credits<\/em> (your plan pool), and <em>Extra Credits<\/em> (your purchased top-ups, with a \"Top Up\" button next to it).<\/li>\n\n\n\n\n<li><strong>Team Members table<\/strong> \u2013 same page, lower section. Lists every team member with their credit consumption for the current billing period only. Helps you spot who's burning through the pool and on what.<\/li>\n\n\n\n\n<li><strong>Usage History<\/strong> \u2013 paginated log of every credit transaction: date, user, action type (colored badge), credits spent or granted, and source (pool \/ extra \/ trial \/ bonus).<\/li>\n\n\n<\/ul>\n\n\n\n\n\n<h2>When credits reset<\/h2>\n\n\n\n\n<p>For paid plans (Lite \/ Pro \/ Max), the pool resets <em>on your Stripe billing-cycle renewal<\/em>, not on the 1st of the calendar month. The exact reset date is shown on the AI Credits page (<em>\"Resets [date]\"<\/em>) and on the Billing page next to your subscription.<\/p>\n\n\n\n\n<p><strong>Plan credits do NOT roll over.<\/strong> If your renewal date is the 17th and you've used 200 of 250 credits on Pro, the remaining 50 are flushed and you start the new cycle with a clean 250. Top-up (extra) credits behave the opposite way \u2013 they never reset and never burn.<\/p>\n\n\n\n\n\n<h2>Topping up before reset<\/h2>\n\n\n\n\n<p>You can buy a credit pack any time, regardless of plan tier \u2013 Lite, Pro, and Max all support top-ups. There are six pack sizes \u2013 <strong>100, 250, 500, 1 000, 2 500 and 5 000 credits<\/strong> \u2013 with a progressive volume discount: the bigger the pack, the lower the price per credit. The exact price, per-credit rate and discount for each pack are always shown live in the Top Up modal on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">Credits<\/a> page.<\/p>\n\n\n\n\n<p>Top-up credits go into your Extra Credits bucket and never expire. Detailed steps for buying a pack are in the <a href=\"\/articles\/top-up-ai-credits\/\">Top up AI Credits<\/a> article.<\/p>\n\n\n\n\n\n<h2>Frequently asked<\/h2>\n\n\n\n\n<ul>\n\n\n<li><strong>Do credits roll over month-to-month?<\/strong> Plan credits \u2013 no. Top-up (extra) credits \u2013 yes, indefinitely.<\/li>\n\n\n\n\n<li><strong>Are credits per-member or shared?<\/strong> Shared across the entire team in a single pool.<\/li>\n\n\n\n\n<li><strong>Can I refund unused credits?<\/strong> No \u2013 credits don't have a separate refund flow. If you cancel your subscription, the unused plan credits expire at the end of the current billing cycle. Top-up credits stay in your account until used.<\/li>\n\n\n\n\n<li><strong>Does Auto-Bidding require Max?<\/strong> Yes \u2013 the 24\/7 Auto-Bidding scanner (and its match-scoring credit usage) is a Max-only feature. Lite and Pro can still generate cover letters and answers manually (or with Quick Apply on Pro), but they don't run the 24\/7 engine. See <a href=\"\/articles\/pricing-plans-overview\/\">Pricing plans overview<\/a> for the gating breakdown.<\/li>\n\n\n\n\n<li><strong>Why did Upwex deduct two credits for one job?<\/strong> Different actions on the same job count separately. Generating a cover letter (1 credit) and running Check Fit Job Analyzer (1 credit) on the same listing = 2 credits total.<\/li>\n\n\n<\/ul>\n\n\n\n\n\n<h2>Related articles<\/h2>\n\n\n\n\n<ul>\n\n\n<li><a href=\"\/articles\/top-up-ai-credits\/\">Top up AI Credits<\/a> \u2013 step-by-step purchase flow<\/li>\n\n\n\n\n<li><a href=\"\/articles\/pricing-plans-overview\/\">Pricing plans overview<\/a> \u2013 what each plan grants per seat<\/li>\n\n\n\n\n<li><a href=\"\/articles\/upgrade-downgrade-plans\/\">Upgrade, downgrade or switch plans<\/a> \u2013 what happens to your credit pool when you change tiers<\/li>\n\n\n<\/ul>\n\n\n\n\n\n\n\n\n--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How the shared AI Credits pool works on Flex, what each action costs, and where extra credits and your own OpenRouter key fit in.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-687","knowledge_article","type-knowledge_article","status-publish","hentry","knowledge_category-billing-credits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are AI Credits | Upwex Customer Service &amp; Support | Upwex Help<\/title>\n<meta name=\"description\" content=\"Explore comprehensive guides, FAQs, and step-by-step tutorials for Upwex. 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