Claude Max
$100 / $200 per mo (Pro $20)
Models: Claude only (incl. Claude Code)
What "flat" means: Fixed price with metered usage: 5-hour session windows plus a weekly cap; Max raises them 5x or 20x over Pro and adds $100 or $200 of API credits a month.
The catch: Session amounts aren't published, and the plan login only works in Claude Code and Anthropic's apps (other agents get only Max's API credits). Claude models only; heavy agentic use hits the windows.
Pick Claude Max when
+Claude Code is your daily driver; it remains the quality benchmark among coding agents
+Your usage fits inside the session windows and weekly caps
+You want chat, projects, and the agent bundled with zero API setup
Cursor Premium / Ultra
$30 / $200 per mo (Plus $8, Super $100)
Models: Grok models included; third-party models billed separately
What "flat" means: Fixed price buying a weekly Grok usage pool sized as a multiple of Plus (Premium 4x, Super 15x, Ultra 50x), sold as a bundle with X Premium.
The catch: Claude, GPT and Gemini are not in the monthly price and bill separately at API list price, so outside Grok it is pay-as-you-go. Plus is Grok-only, and the pool's size in dollars or tokens isn't published.
Pick Cursor Premium / Ultra when
+You want the most polished AI-editor experience available
+In-editor Tab, chat, and agent in one tool outweighs raw usage volume
+Your monthly usage fits the plan's included value