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
GitHub Copilot Pro / Pro+ / Max
$10 / $39 / $100 per mo
Models: Curated multi-model
What "flat" means: Fixed price with a monthly AI Credits allowance (1,500 / 7,000 / 20,000 credits, 1 credit = $0.01) for chat, agent mode and CLI; code completions don't use credits.
The catch: Chat and agent mode draw down AI credits at token rates, and usage past the allowance is billed at $0.01 a credit, which complicates the 'simple' price. Free, Pro and Pro+ interactions may be used for training unless you opt out.
Pick GitHub Copilot Pro / Pro+ / Max when
+You live in GitHub and VS Code and want the lowest-friction install
+Autocomplete plus occasional agent use, not heavy agentic volume
+Your team already standardizes on GitHub tooling and billing