This is a really important feature, as I only became aware of the fair use policy whilst playing with Claude 4 Opus with extended thinking yesterday. It was just some simple coding but I used up all my remaining Ultimate credits for the remainder of the month. If this had been an annual subscription, you can just burn through it all without knowing.
Claude models are expensive and Kagi do need to protect themselves. By highlighting there are credits within a Kagi subscription, it's made me wonder whether I need to pay an intermediate company for AI access. Kagi is great but sometimes focusing your customers attention on something to do wirh value and money can have unintended negative results. IDE integration would be brilliant, and I now have a monetary value to compare to competitors, and bonus point for being available in the IDE.
Now I know there is a limit, I am somewhat put off using it as much, which is the opposite of what I wanted to do. I use Assistant to answer the many questions bouncing around my ADHD brain. There are cheaper models but unless the prices are published, it's just guesswork.
This actually makes me consider the costs of buying hardware to run my own local models, as $30 a month would pay off the hardware after a few years. Intel and AMD are bringing out some great kit later this year.