Subscription or API key: what’s the difference?
There are two ways to pay for Claude or OpenAI’s models. A subscription (Claude Pro, ChatGPT Plus and so on) is a flat monthly price with usage limits, tied to your personal or work account. An API key is pay-as-you-go billing per token, meant for developers building software. Many AI apps ask for an API key, which means a second bill on top of the plan you already have. Using your subscription avoids that.
Which plans include Claude Code and Codex?
| Agent | Included with | Sign in with |
|---|---|---|
| Claude Code (Anthropic) | Claude Pro and Max; every Team plan seat; Enterprise | Your Claude account |
| Codex (OpenAI) | ChatGPT Free, Go, Plus, Pro, Business, Edu and Enterprise | Your ChatGPT account |
As of the date on this page, from Anthropic’s and OpenAI’s help pages. Features and usage limits differ by plan; check the current pages before you buy.
Do they share limits with the chat app?
For Claude, yes: Anthropic says the limits are shared across Claude and Claude Code, so all activity in both counts against the same allowance. For Codex, OpenAI describes it as included in your ChatGPT plan with limits that vary by plan. In practice, heavy agent use can use up an allowance faster than chatting, because an agent makes many model calls per task. Higher tiers (Claude Max, ChatGPT Pro, Team premium seats) exist largely for that.
How can another app use your plan?
The straightforward way is for the app to run the official agent, Claude Code or Codex, on your computer, where you have signed in with your own account. The agent talks to Anthropic or OpenAI as it would if you used it in a terminal; the other app gives it a task, shows its progress and adds things around it. Your sign-in stays with the official tool.
Be wary of anything that asks for your Claude or ChatGPT password, or copies your login to its own servers. Read each provider’s terms for what they allow, and prefer apps that run the official tools locally.
