I did try Extra Usage and API credits with Claude and it chews through $5 in minutes. Unlike GPT, the subscription is a better deal. I definitely do not recommend API credits and such. It's more efficient to use Claude through some other provider like Antigravity, Cursor, and so on.
Whoa, if you're using it that much, you should definitely look at the $100 plan. Either that, or you'll have to use an older model or reduce thinking (which does really tank the quality of results unfortunately) or look at a local model. I don't think there's really many other options.
For a while I did a $20 sub to both OpenAI and Claude and just switched back and forth. I was able to get pretty far that way, but it can feel a bit disruptive.